Thanks. I can’t find any attachment. Based on your reply, assuming I would combine (pool) the contributions made to both his sep and traditional IRAs, as well as combine yearly distributions, even though these are unequal. This whole aspect of the tax code is so vague and complicated. My husband was self-employed, so that really complicates what was taxed in the past. And I only have records dating back to 2004, since no one, including our accountant and financial planner advised us to hold onto them. It hardly seems worth it to jump through all these hoops, but I’m sure it would add up over the years to get these tax breaks now that we’re in retirement. Both of us contributed the maximum allowable amount every year beginning in the nineties. Any further advice?
