@Scruffy_Curmudgeon I don't understand why you say that the IRS treats the basis to be withdrawn first. My understanding is that I use Form 8606 and it taxes distributions using a pro-rated formula. This link explains it: <a rel="nofollow" target="_blank" href="
https://www.investopedia.com/articles/pf/12/roth-ira.asp">https://www.investopedia.com/articles/pf/1...>
I've never seen any reference or info saying that "Federal convention of first funds out are basis".
My RO-IRA came from a 401K that is 100% untaxed, so it's basis is $0.
My Trad-IRA does have a basis.
I can't review your hypothetical example because I don't see a PDF attached.
I do use the desktop software, and regularly use forms view to review everything, so I totally agree with you on this part.
At this point, I believe I understand how to complete MA Schedule X.
Thanks again!
