60-Day IRA Rollover Deadline Missed- Here’s What You Can Do
Life Happens — But That Missed Rollover Doesn’t Have to Cost You
If you’ve recently withdrawn funds from your retirement account intending to complete a 60-day rollover but missed the deadline, you’re not alone. Mistakes, delays, and life events happen. Unfortunately, missing the window could mean your rollover is treated as a taxable distribution and may even trigger a 10% early withdrawal penalty.
The good news? The IRS offers a way to fix it with Self-Certification.
Through Revenue Procedure 2016-47, the IRS allows individuals to self-certify. This means that their missed deadline was due to a qualifying reason and still complete the rollover without being penalized.
This self-certification can be a huge relief for families who are juggling life transitions. You may be dealing with family emergencies, or simply making an oversight in paperwork.
Here’s how to take action:
✅ Verify the status of your rollover — never assume it’s complete until confirmed
✅ Review the 12 IRS-approved reasons for missing the deadline (includes bank error, death in the family, misplaced check, etc.)
✅ If you qualify, submit a self-certification letter to the receiving IRA or plan administrator
✅ Complete the rollover within 30 days of correcting the issue
✅ Keep a record — the IRS may request this during an audit
To help you understand and navigate the process with confidence, download our free guide:
“Fixing Missed 60-Day Rollover Mistakes with Self-Certification in 5 Easy Steps.”
And if you’re feeling uncertain about what to do next, you’re not alone. These rules are complex — and costly if misunderstood. That’s why we’re here to help.
Contact one of our advisors at 940-464-4104 to schedule a time to discuss your rollover situation or any other retirement planning concerns. Or book a convenient virtual consultation online here.
RFG Wealth Advisory in Argyle, Texas, is an independent, fee-only Registered Investment Advisor firm. That means we work solely in your best interest, with a transparent and easy-to-understand fee structure.
Financial success doesn’t happen by chance — it happens by planning. Let’s make sure your money is working for you. Call us today!
Fixing Missed 60-Day Rollover Mistakes with Self-Certification in 5 Easy Steps
Disclaimer
Financial Success Doesn’t Happen by Chance.
Contact lead advisor Chris Robinson with RFG Wealth Advisory in Argyle, Texas to discuss your questions.
RFG Wealth Advisory is an independent, fee-only Registered Investment Advisor firm in Argyle, Texas. At RFG Wealth, our fiduciary duty ensures your interests always come first, and we maintain a transparent fee structure for your peace of mind. Contact us today!
Investment advice is offered through RFG Wealth Advisory, a Registered Investment Advisor.
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Chris Robinson is the president of RFG Wealth Advisory, which he founded in 1995. He is a current resident of Argyle and native of Denton, Texas.
