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Isn't that an issue with who provides the UTMA account?


Maybe? I would think this would be a legal requirement and not something they have discretion over.

Zooming out though, I think Direct File or something like it is actually the right way to go. This would never have happened if the IRS just told me what it expected of me instead of playing this weird entrapment game where I was expected to tell them what they already know.




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