topic Can i report rollover ira with no 1099r? in Retirement tax questions

Can i report rollover ira with no 1099r?

fireburd7 — Mon, 23 Feb 2026 12:54:38 GMT

i do not have 1099r for an ira rollover; how do i report in turbotax?

Re: Can i report rollover ira with no 1099r?

VolvoGirl — Thu, 09 Feb 2023 22:31:32 GMT

Ask the old account for the 1099R.

Re: Can i report rollover ira with no 1099r?

DavidD66 — Thu, 09 Feb 2023 22:35:45 GMT

You should not report an IRA Rollover without a Form 1099-R. There is information reported on the form, that you may not have in order to properly report your distribution and rollover. If you have not received your 1099-R, it is still early. You may be able to access your 1099-R by logging in to your online account with the old plan administrator.

Re: Can i report rollover ira with no 1099r?

dmertz — Thu, 09 Feb 2023 23:39:14 GMT

If this was the movement of an IRA, it could have been done by nonreportable trustee-to-trustee transfer, the equivalent of just changing investments in your IRA. A trustee-to-trustee transfer of an IRA is neither a distribution nor a rollover.

However, if this was a rollover from an employer plan like a 401(k) to an IRA, the plan is required to issue a From 1099-R that you must report on your tax return, even if the rollover is not taxable.

Re: Can i report rollover ira with no 1099r?

thatpricekid — Sun, 19 Feb 2023 02:29:10 GMT

I had an IRA that was invested into a mutual fund account with a brokerage service within my bank, for a short period of time (2 months) then put back into an IRA. I have only received a document named "Rollover IRA account summary". It shows deposit, withdrawal, termination fee. How do I report this? Am I supposed to? What kind of document am I suppose to have and from who?

Re: Can i report rollover ira with no 1099r?

JulieS — Mon, 20 Feb 2023 16:28:50 GMT

Yes, you should report this and you should have received a Form 1099-R from the original holder of the account. You will need to contact them and get the 1099-R.

DavidD66 and dmertz are correct that in some cases, you would not get a 1099-R, but if you received the distribution and kept it outside an IRA, for a period of time, a 1099-R is required.

When you get your 1099-R, here is how to report it:

Select Federal from the left side menu.
Select Wages & Income.
Expand the list and scroll down to Retirement Plans and Social Security.
Expand the section and click Start to the right of IRA, 401(k), Pension Plan Withdrawals (1099-R).
Follow the steps to import or enter your 1099-R.
If you have a "1" or "2" in box 7, you will need to watch for the screen titled, "What did you do with the money from (your broker's name)?" Pick the first answer, "I moved the money to another retirement account."
Pick the first answer to the next question, "I rolled over all of this money to an IRA or other retirement account."
Continue through the end of this section.

That will show the distribution on your return, but it will not be added to your taxable income.

Re: Can i report rollover ira with no 1099r?

M1WV — Mon, 10 Mar 2025 22:53:18 GMT

TY 2024, Spoke with TP, who had a Tradition to ROTH of about $2000. She spoke to her financial inst and they said they will not be sending out a 1099 because it was not reported to the IRA.

TP wants to report the transaction/rollover. Now in 2025, is this still a valid want to enter the transaction with out the actual paper (1099).

Re: Can i report rollover ira with no 1099r?

M1WV — Mon, 10 Mar 2025 23:27:02 GMT

What if the financial institution tells TP they will not be issuing a 1099 because it is not reported?

Re: Can i report rollover ira with no 1099r?

VolvoGirl — Mon, 10 Mar 2025 23:31:48 GMT

A Traditional IRA conversion to a ROTH IRA is taxable and you need a 1099R for it. A conversion is not a rollover. You might not get a 1099R for a rollover if it was a direct rollover. Maybe the financial institution didn’t know it was a conversion. @dmertz

Re: Can i report rollover ira with no 1099r?

dmertz — Tue, 11 Mar 2025 00:18:30 GMT

"they said they will not be sending out a 1099 because it was not reported to the IRA."

That statement makes no sense.

If whenever funds are moved from a traditional account to a Roth account, they are required to issue a Form 1099-R unless the amount is less that $10. As VolvoGirl suggests, the financial institution holding the traditional IRA might have believed that they were doing a nonreportable trustee-to-trustee transfer of the traditional IRA to another traditional IRA, but somehow the funds got impermissibly diverted to a Roth IRA (or the financial institution holding the traditional IRA simply misdirected the funds).