Did I screw up my retirement savings? Roth 401k changed...
Most all of my 401k investments have been after tax contributions which I think went to a roth 401k and I have been at 5-6 jobs in my 21 years of my career. I've nearly always chosen after tax contributions because I would rather be taxed now then at retirement when I take it out. Since then I've transferred my retirement funds to many different investment firms and finally I've put about half into forgetrust.com so I could invest in a syndication but it is showing up as a Contributory Traditional IRA which to me seems like a before tax fund?
Did I screw up somewhere or did one of my many moves to investment firms cause this?
For example, I know my very first career job I contributed about 80 percent of the retirement funds to after-tax contributions which I would think would be something like a Roth 401k. Then I moved that to UBS which tracked all of those same funds as SEP IRA or Simplified Employee Pension account type. Then I move the funds to TransAmerica, then to Edward Jones, then to this self-directed IRA for the syndication investment.
I don't understand at all how I am supposed to track what funds are before-tax contributions and what funds are after-tax contributions.
Can someone help me understand how I can make sense of all of this? Or who I can go to to make sense of this? I've asked my accountant but didn't really get much help there.