Opus 17
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Retirement tax questions

You only have form 8606 if part of your withdrawal was non-taxable because you did not take a tax deduction when making the original contributions.  If this is the case, you must include form 8606 every time you make a withdrawal.  If you did not include form 8606 in 2024, you may need to file an amended return.  Go back over your prior returns until you find the most recent return with a form 8606, then post back here with more details.

 

If you did not make non-deductible contributions, you would only have form 8606 if you had withdrawals or conversions to/from a Roth IRA.  You'll have to add more details for us to understand your question. 

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