I absolutely agree with your issue and your proposal. I have been trying to do the same thing and came to the same conclusion. However, I didn't even know about the "What if" worksheet. That seems like a simple fix to me (for it to acknowledge the ownership of the account, etc). Turbotax...PLEASE fix this. This is one of the main reasons that I actually purchased the desktop version this year because I have to split our returns. I was greatly disappointed to learn that you have to basically do two separate returns and then if you eventually decide to file MFJ you actually have to redo a final combined return!