My husband died in 2015 and I inherited his IRA
certificates. I cashed in his ROTH certificate ($20,506.31) and one of my ROTH
certificates ($17,136.55) to pay for the down payment on a house. When I
received the 1099R from the bank, it stated that the gross distribution was
$29,645.78 but that the taxable amount is "undetermined". So, when figuring out the taxable amount,
shouldn't the inherited ROTH IRA and my ROTH IRA be determined separately? Are
the rules different? Do I use a different formula for his amount than mine or
should I just use the full $29,645.78 to figure the taxable amount? BTW, I am
55.
