Monitor IRA contributions

Goal. Track how much a member has contributed to their IRA in a tax year, without counting money that moved the other way.

Endpoint. Get transaction list with type=ira.

Flow.

1. Call Get transaction list with type=ira, a transacted_at_start / transacted_at_end window covering the tax year, and last_record_number=0.
2. Page through all results: repeat with the last_record_number from each response until you have pulled total_records items.
3. Split the results by transaction_name — this is the field that tells you which way the money moved:
   • contribution — money into the IRA. These count toward the annual limit.
   • distribution — money out of the IRA. These do not count toward the limit.
4. Sum amount across contributions only (decimal math), and compare against the member's annual limit.

Edge cases.

• type=ira alone is not enough. A contribution and a distribution both carry type: "ira", and amount is unsigned — so filtering on type and summing amount silently counts withdrawals as contributions. Always branch on transaction_name.
• In-flight movements. Check status before counting: only completed transactions have settled. A pending or processing contribution may still fail.
• Decimal integrity. Sum amount with a decimal library throughout. Never introduce float arithmetic.
• Tax-year boundaries. transacted_at is UTC. A contribution made late on December 31 in a westward timezone lands in the following UTC year — apply your own timezone rules when bucketing by tax year.