Vanguard said the transfer of funds from my brokerage account into my traditional IRA would be treated as a rollover of the Prudential IRA distributions, not a contribution.
I'm 70 years old, so no early withdrawal penalty.
Rolling the original withdrawals back into the annuity IRAs won't work as the 1 rollover per 12 months rule also applies to rollovers back into the IRAs from which they came. Thanks for the suggestion anyway.
