Hello. I will turn 60 in a few months. I opened a Roth IRA with Ameritrade in 2004. In 2020, I transferred the funds from my Ameritrade Roth to a new Roth IRA that I set up at Vanguard. Given the 5 year rule for qualified withdrawals, I assumed that the account opening date associated with the funds coming from the Ameritrade account would be passed to Vanguard so that this date could be reported to the IRS along with any withdrawal information (similar to how cost basis information is passed when stock is transferred from one brokerage to another so that gains can be reported). So, Vanguard is telling me that they only have the date my Roth IRA account was opened with them and that they do not capture the date the account was opened from the source of the transferred assets. So how is the account opening date of the original ROTH IRA with Ameritrade captured and reported to the IRS to show that the 5 year period has been satisfied? I closed the account with Ameritrade after the Vanguard account was opened, so I no longer have access to account information for that account.
