Ian Bryzek, CPA
Traditional versus Roth inherited account records
Traditional and Roth inherited accounts need separate documentation tracks.
A Roth label on a login screen is not enough—keep plan or IRA documents that state the account type, basis records if any, and every post-death tax form.
Mixing Roth and traditional statements in one pile leads to wrong form matching later.
What to keep with the file
Mixing Roth and traditional statements in one pile leads to wrong form matching later.
What to do next
Split traditional and Roth inherited accounts into separate working folders.
What to gather
- Account type confirmation from the custodian
- Statements for each account separately
- Distribution tax forms coded to each account
- Roth contribution or conversion records if available
- Beneficiary claim papers per account
Who usually handles what
- Ian can organize the tax reporting question and the supporting records.
- The executor, trustee, or account custodian supplies records and confirms who has authority to act.
A practical next step
Split traditional and Roth inherited accounts into separate working folders.
Related guides
This is general tax information, not tax or legal advice. Outcomes depend on the documents, ownership, timing, and law that apply to the particular facts.