I had an RMD requirement of about $32K in 2020 and took the distribution in January of 2020. About $13K in taxes were withheld and a net of about $19K was deposited into a brokerage account. Later, the rules changed so that no RMD was required for 2020. Eventually, I found out that since no RMD was required, I could treat the distribution as a rollover to a Roth IRA. I had already paid the taxes, so I directed the financial institution to move the net $19K into my Roth account. However, I recently downloaded the 2020 tax data from the financial institution and they showed a distribution of approximately $51K in 2020. I think this is because when I told them to move the money into the Roth they moved the $19K temporarily back into the regular IRA and then moved it to the Roth. On the 1040, there is line for IRA distributions and another for the taxable amount of the distribution. I can't figure out a way to make the gross distribution number be $51K and the taxable amount number be $32K. Either they are both $51K or both $32K. There is a place to put an explanation of the numbers if I use the $32K numbers for both lines but I would rather it showed the gross on one line and the net on the other. How do I fix this?
