Due to unforeseen circumstances I need to withdraw funds from my Roth IRA. Being under age 59 1/2, I’d like to withdraw just contribution dollars (not earnings) to avoid penalties and fees.
I know the dollar amount I’ve contributed to the Roth IRA over the years, but after my divorce, part of the account was transferred to ex-spouse via a qualified transfer.
My question now is, how do I figure what my contribution dollars are since part of the account was transferred? I simply want to know how much of my existing account is considered contributions vs how much is considered earnings.
I called and spoke with several people from Fidelity and they could not give me a straight answer.