I have the 2020 ROTH contribution return with gain. Since I won't be getting a 1099-R until January or February next year. I am now creating a substitute 1099-R for my 2020 tax return. I am 70, so what is the code for the box 7? I had a guy from Schwab said PJ. Doesn't look like it. P is Return of contribution taxable in 2019 - but mine is taxable 2020. And J is early distribution which I believe is for those under 59 1/2 and subject to 6% penalty. Please advise.
