Retirement tax questions

See most recent IRS Pub 590A for the IRS documentation, which , unfortunately, contradicts the interpretation of our guru @dmertz.

 

Although code PJ is the expected document, @dmertz recently informs us that

some custodians may code 8J, which more closely matches your intuition.

 

If you can call Monday, maybe the custodian can tell you what they will do.

@helpplease44