@Philly1228 wrote:
Ownership transferred to me years before his death (I'm guessing after I was 18 back in 2007). I'm 35 currently. My father passed away two years ago.
As long as this is not an inherited IRA, which has different rules.
As far as your own IRA is concerned, unfortunately the law says the IRS doesn't have to give you any tax break you can't prove (like tax-free withdrawals of Roth IRA contributions). If you can only prove $5200, that's more or less what you are stuck with. The IRS will have received a form 5498 in your name from the broker for any year that you made a contribution, but those records only go back at most 10 years.
You could make a withdrawal based on your "guess", but you would be at risk if audited.
