null331
New Member

Retirement tax questions

Thank you both for the assistance.  My concern about reporting that I had rolled over the withdrawal was that it will actually occur in 2016 and I'm reporting my 2015 taxes.

This whole issue has become less convoluted because after more research I discovered that I can withdraw any contributions I've made to my Roth tax and penalty free; only the earnings would be taxed prior to 59 1/2.  I will not even be required to repay the withdrawal to avoid a penalty, unless I simply choose to do so, because my total amount of contributions since 1999 are in excess of the amount I withdrew.  This is clarified on line 22 of Form 8606.