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Thanx, MaryK.  I'm paying the taxes this year on it....  Ouch now, less ouch later.  Just want to be covered a few years down the line when I attempt to withdraw it tax-free.  Is there a form or an entry in TT that I will need or use should there be questions? My brokers inferred they would mark something on the 2020 1099R if it were broker to broker.  I suppose I can just make a note of it a see what happens.  Just don't want to miss the checkmark that TT provided....if there is one.