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Is that right? I've taken several qualified distributions from my Roth account in recent years, but I don't think I ever reported them.

Check your tax returns to see if a form 8606 was filed. You should be getting a 1099-R each year for your Roth distributions, which should prompt you, when doing your taxes, to put the information into your tax software. Hopefully, it's that you don't realize you've reported the distributions, rather than that you haven't reported it.

Hope I'm not in trouble!

Well, if you haven't reported the distributions, you probably would have gotten a letter from the IRS asking about them by now, since the IRS gets copies of both the 1099-R and the 5498 each year. If you do find out you haven't reported the distributions, you should file an amended return with the 8606 for each year.

AJ
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