I've got three IRAs, one of them... a Roth. There hasn't been a single instance of penalty assessment. Not to say you are wrong or your information incorrect, only that there's a disconnect somewhere in all of this. I'm unable to say anything definitive as I haven't the information.
Still, I appreciate your stimulating things around here---good information leads to smarter decisions and wiser investors.
Now then, why am I so freakin' stupid? lol
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