Multiple rollovers from funds withdrawsn on the same day to same account

If an individual rolled over 3 traditional ira accounts and 2 were from a householded brokerage account with each having a unique account number under the master account and 1 traditional ira from an insurance company and all three checks were cut on the same day and they all three were deposited into the same account would that be an exception to the one rollover per 365 day rule?



For the first account, if the plan will issue a separate 1099R for each, there would be two distributions made and the insurance company IRA would certainly be another distribution. As such there will be at least one distribution not eligible for rollover. The remaining options are to either just roll over the largest distribution and pay taxes on the other one or two, or convert the other ones to a Roth IRA as a workaround and then recharacterize the conversions later on if the individual chooses to. It sounds like the unique account numbers in the first account are indicative of separate IRA accounts, but the custodian would have to clarify that.



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