Thank you for the response.
I called Fidelity and they agree the 1099-Q that addressed to me, account owner, and using my SSN does not look right.
Though they said it doesn't matter since this is a qualified withdrawal and Fidelity doesn't report the 1099-Q to IRS 🤔. My son will not need to submit the 1099-Q in the tax return.
The form is purely for my (or the beneficiary) record, and the key info is box 4 trustee-to-trustee transfer is checked.
I asked them to update the form anyways to fix the TIN and address to the beneficiary, and feel some pushback.
Regardless, I assume my son just need to report the amount transferred as Roth IRA contribution in his TurboTax Deluxe Desktop version. If I recall correctly, TT does ask "Do you have any other forms?" at the end and I will tell him to type in 1099-Q to see if there are additional steps required.
Thanks again.
