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@JML222 wrote:

 

Client said the 1099R is for gold bars he and spouse purchased in 2009 for $65k and they took physical possession of the gold bars in 2011. 

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Did THEY purchase the gold or did the IRA purchase the gold?

Was the gold "distributed" from the IRA to them personally?

Who issued the 1099-R? What did they have do with the gold purchase, holding and distribution?