Again, Thanks to everyone who has responded so far! I see now where there is a discrepancy between what the IRS picked up off the 1040 and what they say should be the taxable retirement income. Apparently, they only picked up the addition of what is in lines 4a and 5a on the 1040 form. They did not use the addition of the "taxable amount" in lines 4b and 5b. Why would they do that? I am having difficulty hunting down how the 4a got converted to the 4b, in case the IRS has further questions about the taxable basis, so I can defend myself against their assertions of what is and is not taxable in the IRA distribution.
Thanks!
