1099-R

[user17714484965]

I prepared my 2025 Federal and State income taxes using desktop TurboTax Deluxe, and I have a question about retirement income (1099-R).

In 2025 I rolled over my entire 401(k) into a regular IRA at the same institution (not a taxable event). In a separate transaction in 2025, I transferred a portion of that regular IRA into a Roth IRA at that institution (a taxable event).

The 1099-R I received combined the two transactions and reflected the total 401(k) rollover in box 1 (not all taxable), and the Roth transfer in box 2a (taxable).

I entered the 1099-R information carefully and accurately into TurboTax, but the software did not include the Roth transfer in my taxable income.

My question is,

(1) is there an error in the TurboTax software,

(2) is there an error in the 1099-R, or

(3) did I enter the information incorrectly?

Unfortunately I've already filed, so an amendment may be necessary.

[MaxA1]

Responses to your questions:

1. There's no known error in the software.
2. Based on the info provided, the 1099-R seems fine.  The distribution code might be a factor.
3. This may be a possibility.  TurboTax prompts questions that need to be answered carefully since they may affect how things get reported on the tax return.

If your tax return doesn't show the ROTH conversion amount as taxable income, then you may indeed want to consider amending.