What amount did the financial institution in box 2a - Taxable Amount?
If they put zero, then you're fine and don't have to do anything. The distribution is not included in your taxable income.
If they included the distribution in the taxable amount, then you have two options:
- Ask the financial institution for a corrected 1099-R with zero as the taxable amount.
- File your return and take a charitable deduction on Schedule A.
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