For reference, Vanguard only issued one 1099Q in the name of my daughter/beneficiary/Roth owner. What Fidelity did and is standing by doesn’t make sense. I am not a believer that they don’t report these to the IRS. Distributions for qualified educational expenses are definitely reported. Is it your impression that they are just saying trustee to trustee transfers are not reported? I’ll ask Vanguard about whether they report this to the IRS.
