Ha ha! I know. I'm just venting. We've spent far too much time and energy dealing with the IRS' tax and reporting requirements than I think is reasonable considering nobody in our household has lived in the USA for years. Most countries don't make their citizens abroad jump through all those hoops.

Yeah, I get that. It is frustrating though.

I feel like if the USA is going to continue taxing citizens who no longer work or live there, then they should have a duty to provide access to these kinds of services. What happened to "no taxation without representation"? Didn't you guys literally fight a war over that?

No, but this is good advice.

I'm not 100% clear what's happening either. This is actually for my girlfriend and she's not very financially savvy and is having a hard time getting answers from the account owners.

I thought this would be a good opportunity to just move it into an IRA with a larger firm, but that is proving challenging...