My mom rolled over an IRA in 2020. We withdrew the money from the bank, and moved the entire amount to Fidelity within 2 weeks. (She moved to another state, and the bank was local with no affiliations in her new home state.) Her 1099-R from the bank lists the withdrawn money as a distribution. We have not yet gotten anything tax forms from Fidelity - I understand Fidelity will not mail those until sometime in May. How do I keep Mom from paying tax on the entire withdrawal amount shown on the bank 1099-R? It makes a significant difference in how much she appears to owe the IRS! Thank you so much!
