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If a child turned 17, you lost the child tax credit, which could have provided up to $1700 of refundable additional child tax credit.   Now instead of the CTC you get the non-refundable $500 credit for other dependents.  So, certainly that could make a difference.   As for whether that is the only reason for your lower refund---we cannot guess.     We cannot see your screen, your return or your account.  Have you entered ALL of your 2025 information?  All your income, etc.?  Many tax documents that you need do not arrive until late January or even February, so maybe you do not have it all there yet.   There are a lot of variables that affect your refund or tax due including how much you earned, how much tax you had withheld, your filing status, the number of dependents you claim, your deductions and credits, etc.  You may have lost Earned Income Credit or the Child Tax Credit— did a child turn 17?  If you received the EIC last year, remember that changes in the amount you earn have a big effect on the amount of EIC you can get. (Sometimes earning more money means less EIC) Did you have any “side gigs” like rideshare driving or delivery driving—-with no tax withheld?   Are you 65 or older ?  If so, your standard deduction is higher. Everyone has a higher standard deduction now so it is harder to use itemized deductions.   And of course, always check your own data entries, looking for errors such as misplaced decimals or extra zeros.   https://ttlc.intuit.com/turbotax-support/en-us/help-article/tax-refund/refund-go-compared-last-year/L97JmhUbi_US_en_US?uid=ld9ijm41   Print out 2024  and 2025  and compare them side by side to see what is different.    https://turbotax.intuit.com/tax-tips/tax-payments/video-why-would-i-owe-federal-taxes/L3VXudPiN      

While entering your form 1099-R, if you have entered a birth date which makes you older than 70 1/2 in the tax year, TurboTax will ask you if any portion of your distribution was transferred to charity. Answer Yes to that question and you can then enter the amount transferred to charity.   The code in box 7 of form 1099-R must be 7 and the box IRA/SEP/SIMPLE must be checked.   TurboTax will then reduce the taxable amount by the amount transferred to charity.   You could go check your DOB entered in the My Info section and revisit the entry of your form 1099-R.

TurboTax Desktop will use the simplified method to determine the taxable portion for box 2a of your OPM retirement distribution.   Presume that:   Monthly payments were received,   Payments started in 2025, and  That box 7 is code 7. You will need to know:   The amount of the employee contributions (should be in box 9b), The date the annuity started, The number of months that payments were received in 2025,  The age of the recipient when the annuity started, The age of other beneficiaries (if there are any), and  Was the recipient under the retirement age for the plan. At the screen Who gave you a 1099-R?, select Office of Personnel Management (CSA-1099-R). Enter the pension distribution information. After a few screens, you should arrive at We found a few other questions about your situation.  Click Continue. At the screen Annuity information, select Yes for Periodic payments.  Click Continue. At the screen Annuity information, select Yes for Did you start getting these payments in 2025?.  Click Continue. At the screen Annuity information, select No for For the years you received these distributions, was the total amount shown in the form the amount you paid tax on?.  Click Continue. At the screen Annuity information, enter the information requested.  Click Continue. At the screen Annuity information, answer the question Does this annuity cover more than one individual?  Depending upon your answer, there may be several additional screens to answer.  Click Continue. You should reach the screen Simplified method result. You will be able to view the entry under Forms on Federal 1040 lines 5a and 5b.   @angboy 

The 84 pages was what came up when I hit print to amend.  It says to return the 1040X and any supporting forms that have been affected.   I can only imagine that the K-1 affects different forms, but not 84.   The Turbotax website states that I should be able to e-file an amended return from 2023 and 2024.  I e-filed the original 2024.

I also get a message when working on my rental properties that form 4562 for 2025 is not ready and do I want to sign up to be alerted when it is. So the form is not ready! If it was it would show up on the desk top programs like previous years. So the previous answer given by Intuit is unexceptable and does not help resolve the issue. So when will the form be ready or I guess a better question might be when the program be updated so it will show up on the desk top program like it did in previous years versions of Turbo Tax Deluxe?

If your husband's IRA was rolled over into your own IRA, RMDs are based on your own age, and they start only when you reach age 73. So, no RMD in 2025 as you are not 73 yet.   Please read this IRS document.

The 1099-Q is  only an informational document. The numbers on it are not required to be entered onto your (or your student's) tax return. The interview is complicated, even without tricky situations, like yours, and it's easy to make mistakes. Avoid it if you can and you can (since you know you have "qualified distributions". You can just not report the 1099-Q, at all, if your student-beneficiary has sufficient educational expenses, including room & board (even if he lives at home) to cover the distribution. When the box 1 amount on form 1099-Q is fully covered by expenses, TurboTax will enter nothing about the 1099-Q on the actual tax forms. But, it will prepare a 1099-Q worksheet for your records (you don’t need it). You would still have to do the math to see if there were enough expenses left over for you to claim the tuition credit. You also cannot count expenses that were paid by tax free scholarships. References: On form 1099-Q, instructions to the recipient reads: "Nontaxable distributions from CESAs and QTPs are not required to be reported on your income tax return. You must determine the taxability of any distribution."  IRS Pub 970 states: “Generally, distributions are tax free if they aren't more than the beneficiary's AQEE for the year. Don't report tax-free distributions (including qualifying rollovers) on your tax return”. "IRS Publication 970, Tax Benefits for Education states: If the entire 1099-Q went to qualified expenses, room and board, tuition, etc; then, you do not need to enter the form." 

According to this Merrill webpage, they were  expecting to begin issuing 2025 tax-reporting statements starting January 26, 2026, and, in most cases, mail or post them to the Tax Documents section of their clients' online accounts by February 27, 2026.   @user17705709743  @user17706728259  @KansasR  @stlguy30337