dmertz
Level 15

Retirement tax questions

"That's interesting that the forms are different for Spouse."  They shouldn't be.  The developers simply goofed.

 

Since you were not permitted to take an in-service distribution to do a rollover in the normal fashion, it might be appropriate to report each as cashed-out (not rolled over), then report each as a CRD and a repayment.  That should cause your tax return to include Forms 8915-E for both you and your spouse showing zero taxable.  That would alleviate your concerns that the distributions were only permitted as CRDs.

 

Note, however, that each of you is permitted a maximum of $100,000 of CRDs.

 

I'm puzzled why you each received three Forms 1099-R instead of just two.  I would have expected just one from the traditional account and just one from the Roth account for each of you.

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