Retirement tax questions

Which "trap" are you referring to?  If you use the Desktop CD/Download program you can do several returns to test in and there is a What-If worksheet you can play with.   Desktop has a Forms Mode where you can see and enter directly into the forms.  And several other features over the Online version.  We can tell you how to transfer an Online return into the Desktop program.  Oh and you can buy a lower version.  All the Desktop programs have the same forms. You just get more help and guidance in the higher versions. 

You can buy the Desktop CD/Download program here,

https://turbotax.intuit.com/personal-taxes/cd-download/

 

Or buy it in stores or online like Costco, Walmart Amazon etc.