Retirement tax questions

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@perk618 wrote:

I'm 75 and my MRD for 2019 was $21K but I decided to increase that to $100K, ( $80K stock, $20K taxes). which I transferred as Stock to my standard stock account. The broker reversed the transaction, advising that opening a Roth was a better move as I didn't need to cash out. I expected therefore to see a 1099-R with $100K withdrawn and $20K taxes paid, but the 1099 showed $100K as Normal Distribution with $20K taxes taken plus a Roth Conversion of $80K for a total distribution of  $180K

Entering the Gross Distribution as $180K shows that I owe almost $40K additional taxes, but I only took $100K distribution on which I paid $20K tax, How do I show that all I did was roll the initial $100K back into my IRA and then move it to the ROTH

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There is something basically wrong here.

If your RMD was 21K then that must be removed form the 401(k) as cash or put into a brokerage account - not an IRA.   If you took an additional $80K out of the 401(k) , You should have an 1099-R issued by the 401(k) plan administrator for the total of $100K.   That 1099-R should have a code 7 in box since it  could not be a trustee-to-trustee rollover if part of it was a RMD.

If you took advantage of the 60 day rollover provision to convert the $80K that was not a RMD to a Roth IRA then you would enter as I showed above and enter the $80K in the bottom box.  This assumes that no more then 60 days elapsed form the say if the $100K distribution  to the day the $80K money was in the Roth IRA.  The fact that the $80K was "parked" in a standard brokerage account for a short time does not enter into a 60 day rollover - the $8K could have just been a check in your pocket.

If you only have a single 1099-R and that was issued by the 401(k) plan administrator for $180K then something is missing from your description.   The 401(k) administrator has nothing to do with what happens after the distribution.