qbteachmt
Level 15

To summarize then: The code was fine; there was no issue with that code. It's what the issuer knows.

"even though this particualr Roth does not meet the 5 year requirement"

They did not have this account for her for at least the 5 years, but the IRS treats all of your Roth accounts as if they are one. It is up to the tax payer to file with the follow up info that is pertinent. The 5 year rule didn't apply; she first contributed to a Roth years and years and years ago.

And the 2 other 5-year rules also don't apply.

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