You will need to review your answers. If your plan is a 401(a), you should not check the box that says "Yes, this is a 403(b) plan."
If you do, you are effectively telling the software, "I have a Tax-Sheltered Annuity," which triggers the confusing questions about annuity start dates and cost basis.
Follow these steps to bypass the annuity loop:
- On the 1099-R entry screen, make sure Box 7 matches your form (likely Code 7 or Code 1)
- Ensure the "IRA/SEP/SIMPLE" box is unchecked (since it's a 401a, not an IRA)
- When the software asks, "Was this distribution from a 403(b) plan?", select "No, it's another type of qualified retirement plan"
- By selecting No, the software should treat it like a standard pension or 401k distribution and skip the "Annuity" questions entirely
Regarding the RMD questions, follow these steps to complete the RMD section:
- Continue through until you reach, "Let's get more information about your Required Minimum Distribution (RMD)", enter your distribution as your RMD
- How much of the distribution applied to your December 31, 2025 RMD? Choose "the entire distribution applied..."
- You will reach "Review your 1099-R summary", press Continue (not the pencil) and additional questions will generate for you to answer
- When you reach "Let's go over any required minimum distributions (RMD)", Continue (not the pencil)
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