Inherited Roth IRA

[gdschilling]

My wife is the designated beneficiary on a Roth IRA.  Her brother passed away in 2023.  She received a 1099-R for the RMD received in 2025.  If I check the box that this is an inherited IRA, TurboTax asks is she opened an IRA before or during 2021.  It also shows the RMD amount as taxable even though this is a ROTH IRA which her brother held for more than 5 years.  Should we not check the box that this is an inherited IRA?

[dmertz]

TurboTax is likely actually asking if her brother opened a Roth IRA before 2021; the date that the inherited IRA for your sister was established is irrelevant.  The date that your sister might have first opened her own Roth IRA  is also irrelevant to the taxation of this distribution from the inherited Roth IRA.

(I wouldn't be surprised if TurboTax mistakenly asks if "you" opened a Roth IRA before 2021.  Lots of questions in the retirement section have been messed up by developers this year (2025) in the process of transitioning to an updated user interface.)