if you moved money from a traditional IRA to a ROTH IRA then that is a conversion. and if the administator did not withhold enough, the refund would go down.... please post what is in the boxes on the 1099-R form you received?
what is in Box 1, Box 2a, Box 4, Box 7 and is the IRA/ SEP box checked? Also, was your wife older or younger than 59.5 on the date of the withdrawal?
