dmertz
Level 15

Retirement tax questions

fanfare, I think we are saying the same thing.  It's true that the code-J distribution will also be reported on 2022 Form 8606 Part III, but it won't be taxable because it is a distribution of contribution basis.  It also appears on 2022 Form 5329 line 20 to be subtracted from the carried-forward excess that will be present on line 18.