JFW3
Level 3

Get your taxes done using TurboTax

I understand what you are saying.  I'm not questioning the reporting to the IRS, but the way Turbo Tax handles the forms.  I've always had my kid's 529 account withdrawals for school sent to me, and I'd pay the bills.  I've input both the 1099-Q and the 1098-T (plus added school expenses) into Turbo Tax.  The program offset the two, and neither was reported to the IRS.  I guess I was expecting similar in the rollover to a Roth, with the 529 account holder inputting information about the dollars leaving the 529 account via the 1099-Q and then inputting support for it not being taxable into TurboTax and the program handling the offset.  This is different though, which maybe explains the difference in TT input, as the 1099-Q is sent to the Roth account holder vs. the 529 account owner.  The 529 account owner is responsible for verifying that the withdrawal is qualified and not taxable, but they don't necessarily get the 1099-Q...  perhaps the IRS should send a copy of the 1099-Q to the 529 account owner for Roth rollovers... but that's not my call.  Thanks for helping me think this through.