You provided a pivotal question to the answer. I have not received a 1099-R yet and I do not know if I even will receive one since it is a qualified distribution that is tax-free. The more significant issue is with the Turbotax software program which does not allow you to enter ROTH contributions from previous years beyond last year. This is problematic if, for example, you have been making ROTH contributions for 12 years and only used Turbotax for 7 years. That results in Turbotax not tracking 5 years and as you take qualified distributions Turbotax will eventually want to pay a tax for a qualified distribution. If you manipulate the program it does not like it and gives you errors.
