Wondering if anyone's dealt with a similar situation and can give advice…We pulled cash out of our traditional IRA to make a 1st time home purchase. We then decided to take advantage of the 60-day rollover option to return the money and keep it growing tax-free. The rollover was also a conversion to a Roth. However, the plot thickens. I mailed 2 checks (one for me and one for spouse) well ahead of time to make the 60-day window. One check was processed no problem. The other I had neglected to sign and the broker returned it. By the time I discovered it – the 60 day window had shut. However, once discovered, I immediately deposited the money via a funds transfer and only missed the window by a few days.So – my conundrum is whether or not I explain all this to the IRS in a letter with my filing – or I simply treat it as a distribution /conversion paying the tax etc and just hope for the best – or??? Any suggestions welcome.ps - I argued vociferously with the broker that they should back date the deposit. If only they'd notified me vice simply sticking the check in the mail – I would've been able to execute the transfer electronically and meet the deadline. They refused
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