dmertz
Level 15
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Retirement tax questions

"I had an direct rollover of my Roth IRA to a Traditional IRA."

 

Not sure what you mean here.  A Roth IRA is not permitted to be rolled over to a traditional IRA.  Doing so creates an excess contribution to the traditional IRA to the extent that it exceeds the amount you are eligible to contribute to a traditional IRA for the year.  Additionally, it would make no sense to take a distribution from a Roth IRA only to make a regular contribution to a traditional IRA unless the distribution from the Roth IRA was to correct an excess Roth IRA contribution, in which case it would not be a rollover.

 

The term "direct rollover" technically only applies to a rollover to or from an employer plan like a 401(k).  There is no 60-day deadline to complete a direct rollover.  Still, you are not permitted to do a rollover to a traditional IRA from a designated Roth account in an employer plan.

 

Perhaps what you did was a recharacterization, not a rollover.  Again there is no deadline to complete the transfer.  However, when doing a recharacterization from a Roth IRA to a traditional IRA the funds must generally leave the Roth IRA by the due date of the corresponding tax return, including extensions.

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