被IRS骚扰了，专家们救命呀！！！！！

来源: hagerty 于 2012-03-28 23:18:19 [] [旧帖] [给我悄悄话] 阅读数 : (1321 bytes)

不知道这里是不是合适的版面，但我知道这里懂税的大侠一定很多，特来求救

我在2009年的时候放了五千元在traditional IRA,但由于收入的原因，不能DEDUCT,所以是税后的钱买的

2010年由于不太懂税，把TRADITIONAL IRA 的钱convert到了ROTH IRA.以为这样做不用再补税而且以后取的时候就不用缴税了。转的时候账户上是4800元

2011年四月保税截止日之前，突然发现原来这个conversion要补税，因我还有个SEP-IRA,而且数额大得多，又是税前的。IRS 会按照traditional IRA and SEP IRA 的比例来算conversion的税. 不知道我理解得是否正确，反正是panic了。打电话给vanguard要求把钱全部转回traditional IRA,当天完成了交易。当时账户上是5100元

就在今天收到了IRS的通知，要我补交相当于4800元收入的税再加利息。我觉得我不用交。事实上我以收到vanguard的1099R for 2011,上面列了$5100的roth IRA distribution, with distribution code=R, and R was noted in the fine print as 'recharacterized IRA contribution made for 2010 and recharacterized in 2011'.

请专家们出手帮帮我吧，头都大了。按照我的理解，I made a full recharacterization so I don't owe any money to IRS。

or maybe I own tax on 5100-4800=$300 income?  that'll be so unfair as I made contribution after tax in the first place and never made any withdrawl

anyone can help me?  please!!!  the IRS clock is ticking and it's asking for my hard earned money

所有跟帖： 

• you need to talk to a good tax attorney for advice. -planotx- ♂ 给 planotx 发送悄悄话 (527 bytes) () 03/29/2012 postreply 06:04:38

• 回复：you need to talk to a good tax attorney for advice. -hagerty- ♂ 给 hagerty 发送悄悄话 (572 bytes) () 03/29/2012 postreply 06:49:31

• Double check your timing -planotx- ♂ 给 planotx 发送悄悄话 (80 bytes) () 03/29/2012 postreply 07:42:32

• deadline 10/15/11 -commonsense888- ♀ 给 commonsense888 发送悄悄话 (0 bytes) () 03/29/2012 postreply 08:26:35

• if you did "full recharacterization" you should be fine. but -laoyangdelp- ♀ 给 laoyangdelp 发送悄悄话 laoyangdelp 的博客首页 (595 bytes) () 03/29/2012 postreply 08:24:35

• 可惜天下没有免费的午餐，there is always some catch. -Nonsense123- ♀ 给 Nonsense123 发送悄悄话 Nonsense123 的博客首页 (114 bytes) () 03/29/2012 postreply 09:44:10

• 回复：you need to talk to a good tax attorney for advice. -hagerty- ♂ 给 hagerty 发送悄悄话 (714 bytes) () 03/29/2012 postreply 07:18:11

• 还是diy能力很强啊。恭喜。 -Nonsense123- ♀ 给 Nonsense123 发送悄悄话 Nonsense123 的博客首页 (0 bytes) () 03/29/2012 postreply 09:42:02

• 哈哈我从来都是交会计师，去年来了三封伩开始要罚两万来来回回 -一般- ♀ 给 一般 发送悄悄话 (132 bytes) () 03/29/2012 postreply 07:25:42

• did vanguard file 1099-R for you? deadline 10/15 -commonsense888- ♀ 给 commonsense888 发送悄悄话 (8574 bytes) () 03/29/2012 postreply 08:24:58

• many thanks to every one who replied -hagerty- ♂ 给 hagerty 发送悄悄话 (48 bytes) () 03/29/2012 postreply 10:10:59

请您先登陆，再发跟帖！