I think I finally figured it out. I decided to assume that my daughter would use the 1099-Q that my wife received to do her tax returns. When I said she had a 1099-Q, ONLY THEN did it start to explain that the 1099-Q might be showing the owner and not the beneficiary. Now it's making some sense.
It would be helpful if TurboTax explained that upfront at the 1099-Q questions. That the 1099-Q might need to go with the beneficiaries tax return if they are a non-dependent.
Regards
