We opened a Vanguard IRA in 2001 and it was supposed to be a Roth. We made contributions in 2001, 2002 and 2003 and all years were under the allowable $3000 limit. Now we want to take out the money (over $12,000) and it should be tax free (we are over 59-1/2). But we never noticed that they set it up as a traditional IRA instead and will send us a 1099 with a "normal" distribution code including taxable income. Vangard says we have to deal with it ourselves, but apart from having our tax returns that show we did not take IRA deductions, I'm not sure what to do. Any advice would be appreciated. Thank you!
