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Guest philkatz
Posted

I (taxpayer filing on my own) have multiple 403 (b) plans (and am not a beneficiary on any). In 2013 I totaled up all my [(12/31/2012 balance)/divisor] amounts, for 403 (b) plans only, and then took the same total but from only some of the 403 (b) plans. From several reputable sources I understand this is OK w/ the IRS. I am listing those all distributions on my 1040 line 16b.

Question is how to best avoid an audit to explain what I did. Would you recommend:

  • That I add an attachment showing the figures? (If so, an attachment to what line of what form?)
  • That I fill out some form the IRS has (of which I am ignorant) for demonstrating that I "did right? What form?
  • OR That I trust the IRS algorithms to look at the same numbers, figure out my various RMD's, total them, and draw the conclusion that i "did right" on its own?

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