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Level 2
posted Feb 4, 2023 4:14:57 PM

Unsure what to do with 1099-B after ESOP to IRA rollover

Upon leaving my previous company, I decided to roll the stock in my company stock in my pre-tax ESOP plan into a traditional IRA. The company cashed out the stock at the next available date and sent me a check for the total amount, which I promptly deposited into my IRA. I have now received a 1099-B and a 1099-R from my company for the stock transaction. I have entered in the 1099-R and indicated that it was rolled over, resulting in it not being a taxable event. When I enter in the 1099-B, there is no option to indicate that this was rolled over. The software believes that I owe taxes on the gains from the stock based on the 1099-B, but it has been rolled into an IRA. I'm unsure how to proceed. 

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1 Best answer
Level 15
Feb 4, 2023 4:24:51 PM

Your cost basis in the ESOP shares is the gross amount shown in box 1 of the Form 1099-R.  Shares distributed in-kind from a retirement account are normally treated as noncovered shares, so you must supply the cost basis.

4 Replies
Level 15
Feb 4, 2023 4:24:51 PM

Your cost basis in the ESOP shares is the gross amount shown in box 1 of the Form 1099-R.  Shares distributed in-kind from a retirement account are normally treated as noncovered shares, so you must supply the cost basis.

Level 2
Feb 4, 2023 4:40:41 PM

I thought the amount in box 2a would be my cost basis since this the gross distribution minus box 6. Do I use box 1 since the amount has been rolled over? 

Level 2
Feb 4, 2023 5:00:14 PM

I thought the amount in box 2a would be my cost basis since this the gross distribution minus box 6. Do I use box 1 since the amount has been rolled over?  @dmertz 

Level 15
Feb 4, 2023 7:49:50 PM

Rolling over all of the proceeds disqualifies this from treated as NUA, so the amount in box 6 is irrelevant.  (I'm assuming that the deposit into the IRA was not made as a new contribution for 2022.  If it was, that would imply that the gross distribution of ESOP shares was rather small, which seems doubtful.)