It depends. If you have contributions to your IRA that have not been reported on your tax returns you will want to make sure you have the appropriate records. Depending on your income each year, you may or may not have been allowed to deduct those contributions.
The question is whether they were deductible or nondeductible contributions in each year. And how many years can be a significant factor for your distributions in the future if contributions were not reported. You can amend only 2021, 2022 and 2023 right now and 2021 will expire on April 15, 2025. You may not be able to go back any further, however nondeductible contributions could be tax free when you start taking distribution.
Please provide additional details if you need more assistance and we will help.
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