Thanks for taking the time to share your insight. Your answer was helpful. I am familiar with the factors you itemized, and an understanding of the layered aspects of IRAs is very important. I've used these vessels since about 1980 and the devil and wonder are in the details. Your rounding of the answer is reassuring. The review is sincerely appreciated. Looks like I can update but a 1040X is not required. I'll focus on updating TT's tracking to correct the erroneous figure for next year's transfer, without regard to notify IRS. Thank you!
