You raise some good points. I reposted below, my first was confusing. But... say I have 8 accounts with Schwab. 4 belong one 1 1040, 4 belong on other 1040's. But all are managed under one Schwab account. When you sign in at Schwab in the import screen, all 8 1099's will show up - presumably because they are under one Schwab account. You do have to check the correct boxes to make sure you aren't downloading a 1099 that doesn't belong to the return you're working on.
My complaint - which I feel is a bug, if I download say 3 1099's and then download one I forgot - Turbo tax should be adding the 4th 1099, not deleting the other 1099's I had already downloaded.
