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Retirement tax questions
You do not need a corrected 1099-R. The broker does not know if your withdrawal is qualified because they don't know if you have other IRA accounts. (All Roth IRA balances are combined for tax purposes. If you had contributed $5000 to a different bank, and then withdrawn $10,000 at some time in the past, the current withdrawal would represent earnings since you previously withdraw all your contributions.)
You self-certify on your tax return. Keep records in case of audit, you can be asked to prove it.
‎January 21, 2025
12:34 PM