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I’m hoping someone can help me out….and I apologize in advance if I am not using the correct tax terms.   In summer 2025, I found out I was not eligible (income too high) to make ROTH IRA contributions in 2024 and 2025.  I was told I could make “back door” ROTH IRA contributions by first contributing to a Traditional IRA (no income restrictions and can contribute up to $8000), then converting the Traditional IRA contributions into a ROTH IRA.   So that is what I did, but I need help to document this on my  2025 tax return.   The following is the chronology of events:   14 October 2025 - I called my ROTH IRA custodians (T.RowePrice and Vanguard) to reverse the 2024 ROTH IRA contributions.   The amount I received from T.RowePrice (TRP) is broken down as follows: $2300 from 2024 ROTH IRA contributions made in 2024 $683.14 from earnings on the 2024 ROTH IRA contributions made in 2024 $230 from 2024 ROTH IRA contributions made in January 2025 $43.65 from earnings on the 2024 ROTH IRA contributions made in 2025 (TRP total 1:  $3256.79)   The amount I received from Vanguard (VAN) is broken down as follows: $3220 from 2024 ROTH IRA contributions made in 2024 $720.11 from earnings on the 2024 ROTH IRA contributions made in 2024 $460 from 2024 ROTH IRA contributions made on 14 April 2025 $102.87 from earnings on the 2024 ROTH IRA contributions made in 2025 (VAN total 1:  $4502.98)   26 November 2025 - I called TRP and VAN to reverse the 2025 ROTH IRA contributions I made.   The amount I received from TRP is broken down as follows: $1150 from 2025 ROTH IRA contributions made in 2025 $63.81 from earnings on the 2025 ROTH IRA contributions made in 2025 (TRP total 2:  $1213.81)   The amount VAN distributed for 2025 contributions and earnings is broken down as follows: $1150 from 2025 ROTH IRA contributions made in 2025 $172.50 to cover the federal tax (15%) (VAN total 2:  $1322.50) The $1322.50 was put into a VAN settlement fund.   1 December 2025 – The $1322.50 that was held in the VAN settlement fund was used to contribute to a VAN Traditional IRA fund.  However, for reasons I still do not understand, only $1314.75 was contributed to the VAN Traditional IRA.   9 December 2025 – I called VAN to convert the amount in my VAN Traditional IRA ($1314.75) into my VAN ROTH IRA.  Over the 8 days from contributing to the VAN Traditional IRA, the $1314.75 amount grew to $1315.86.  $1315.86 from my VAN Traditional IRA was converted to my VAN ROTH IRA.   23 December 2025 - I contributed $4470.60 into my TRP Traditional IRA.  Note, the $4470.60 is the sum of amount I received from TRP on 14 October ($3256.79) and 26 November ($1213.81)   29 December 2025 – I called TRP to convert the funds in my TRP Traditional IRA into my TRP ROTH IRA.  The $4470.60 that was originally contributed on 23 December 2025 grew to $4473.17 on 29 December 2025.  Of the $4473.17, $3579.05 was converted to my TRP ROTH IRA and $894.12 was held for federal taxes.    TRP sent me the following tax forms: TRP#1 1099-R box 1:  $1487.46; box 2a:  $107.46; box 7:  J8 distribution code TRP#2 1099-R box 1:  $2983.14; box 2a:  $683.14; box 7:  JP distribution code TRP#3 1099-R box 1 :  $4473.17; box 2a:  $4473.17; box 2b :  taxable amount not determined-checked; total distribution-checked; box 4:  $894.12; box 7:  2 distribution code; IRA/SEP/SIMPLE-checked   Reverse engineering the TRP math,  I figured out the following: TRP#1 1099-R box 1 ($1487.46) shows the 2025 ROTH IRA contributions made in 2025 ($1150) and earnings ($94.69)  PLUS the 2024 ROTH IRA contributions made in 2025 ($230) and earnings ($12.77).   The earnings ($94.69 + $12.77) equals the taxable amount shown in box 2a ($107.46)   TRP#2 1099-R box 1 shows the 2024 ROTH IRA contributions made in 2024 ($2300) and earnings ($683.14).  The earnings $683.13 is the taxable amount shown in box 2a.   VAN sent me the following tax forms: VAN#1 1099-R box 1: $597.16; box 2a:  $137.16; box 4:  $34.29; box 7:  J8 distribution code VAN#2 1099-R box 1:  $4180.15; box 2a: $960.15; box 4:  $240.04; box 7:  JP distribution code VAN#3 1099-R box 1:  $1314.75; box 2a: $0; box 7:  N distribution code VAN#4 1099-R box 1:  $1315.86; box 2a:  $1315.86; box 2b: taxable amount not determined-checked; total distribution-checked; box 7:  2 distribution code; IRA/SEP/SIMPLE-checked   Reverse engineering the VAN math, I figured out the following: VAN#1 1099-R box 1 ($597.16) is the sum of 2025 VAN ROTH IRA contributions I made in 2025 ($460) PLUS earnings ($137.16).   The earnings is the taxable amount shown in box 2a.   VAN#2 1099-R box 1 ($4180.15) is the sum of 2024 VAN ROTH IRA contributions made in 2024 ($3220) PLUS earnings ($960.15).   The earnings is the taxable amount shown in box 2a.   NOTE, I did not do anything with the $4502.98 I received from VAN on 14 October 2025.  This $4502.98 is sitting in my bank checking account.   Can someone please walk me through this and tell me what numbers need to be entered onto which lines on the various forms and worksheets (eg. IRA Contrib Wks, IRA Info Wks, Form 5329)?   I am so sorry to write such a long post.  But I wanted to provide as much information as I could so the correct solution can be determined.   Thanks so much for the help!!    

My husband and I (while single at the time) adopted our son which was finalized in July of 2012. He was born Dec of 2011 and we took him home from the hospital. Transfer of custody was completed the following week. Full Adoption was final in 2012, court docs on file.  We filed our taxes for 2012 and applied for the Adoption Tax Credit, which we received. We had the SSN, and the birth certificate has both our names on it (one of the first in MO to be two males I believe)  At that time no court documents were needed when we filed taxes. When I filed this year they had a spot for their IP pin.  When I called and answered all the questions to verify myself and my child I’ve had for 14 years, I was told that neither of us are listed as custodial parents and the IRS could not provide me with any information.  We have claimed him on our taxes every year. When we answered the qualifying dependent questions we were told yes he’s our child, not to mark adopted.  So why are we not the custodial and what do we do to become them and not the ones who are currently listed bc they never actually saw or provided any care? (They did have 2 days where they had to give us permission to visit in the nursery and disclose medical information, but my insurance kicked in at birth).  I was told to fill out form 54 but that’s Fiduciary Not Custodial.  We have a signed document stating they gave up their custodial rights, and we were granted custody. But that was by the state.  I don’t believe form 8332 was a thing in 2012. 

Hi, My return got rejected and I am trying to refile it. I made the correction, however, when I go to my federal review, there is still a fix that is needed regarding the 1095-A form. The fix is requesting I input  "Recipient SSN". However, I went to my deductions under medical and selected "no" when asked "Do you need to report any 1095-A's?". I went to "Tax tools" and tried to delete the existing 1095-A form. There was no 1095-A form for me to delete so I tried to go through the federal review again and the "Needs Review" continued to pop up regarding a 1095-A.  Not sure what to do at this point since I need to refile my return but I don't need this 1095-A form. 

Hello, I am a Canadian citizen, currently a non-resident and have distributions [being reinvested] within my RRSP account. The bank does not issue a slip for this distribution amount. It is simply a statement. Please note: I do not have any employment income in Canada, hence, do I or do I not need to report the distribution amount and do I need to file taxes? If yes, in which form of Turbo Tax Canada do I report? Secondly, can I claim donations made to a registered charitable organizations in Canada and in USA? Can I claim other eligible expenses like fees paid to a professional organization? Thanks!