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Thanks, RJS!  I confirmed with the financial institution that the UTMA accounts of my 2 dependents are under their SSN's.  Nonetheless, the 1099's came through in the TurboTax import because the UTMA accounts are linked to my account.  I will delete them.  I hadn't realized, but now understand, that I can claim the 2 dependents even with them filing separately.  I will look more closely into the options for next year.