I would like clarification on the response received about the excess contribution from the IRA that my pension was transferred to and the comment about if this IRA did not exist prior to 2019, no RMD is required for 2019.
I did not retire with my pension until July 2019 so I did not have this IRA that it was transferred to before 2019.
Also why would I have excess contribution and RMD at the time of the transfer if I was not 70 1/2 at the time?
I apologize for the confusion and not understanding what is being explained to me. I do appreciate all
of the help.
Thank you.
