Noting that having stripped out all of the pension rollover, I'm still getting hit at the higher qualified dividend rate - therefore that was not the problem. Looking more carefully at the detailed forms, it would appear that the MAGI is inflated above the 200K threshold as a consequence of how TT is treating a SSI repayment ($120K payment for years 2019 through 2022) - only 39K of this payment is related to 2022, and I have broken out the prior years using the TT feature for handling lump sum payments. As a consequence my adjusted gross is calculated at $240, when 80K of this relates to prior years. Unclear if their is relief for these circumstances. Apologies in advance for prior message which was NOT the problem.
