topic My 2025 1099-Q form shows a $19000 distribution from my 529 account. How do I show on 1040 form that it was for a transfer directly into my granddaughter’s ABLE account? in Retirement tax questions

My 2025 1099-Q form shows a $19000 distribution from my 529 account. How do I show on 1040 form that it was for a transfer directly into my granddaughter’s ABLE account?

patsasg7 — Sat, 07 Feb 2026 03:14:28 GMT

The 1040 form shows it as a Gross distribution to me, not to my beneficiary disabled college student granddaughter.

Re: My 2025 1099-Q form shows a $19000 distribution from my 529 account. How do I show on 1040 fo...

MaryK4 — Sat, 07 Feb 2026 16:47:14 GMT

You will be able to indicate the ABLE rollover. Can you clarify if the 1099-Q is issued to you?

Here is what you will want to look for in the TurboTax interview:

On the Other Form 1099-Q information, do you have

Box 4A Trustee-to-trustee transfer marked YES?

Box 6:Is the recipient of the distribution the designated beneficiary should be YES.

On the Distribution Transfer page, be sure you indicated YES.

Just to note: Beginning in 2018, rollovers are permitted from a Qualified Tuition Plan (QTP) account to an ABLE account, provided the ABLE account is owned by the designated beneficiary of the QTP account or a member of the beneficiary's family. However, rollovers count toward the annual ABLE account contribution limit.

Re: My 2025 1099-Q form shows a $19000 distribution from my 529 account. How do I show on 1040 fo...

user17712517236 — Mon, 16 Feb 2026 14:33:25 GMT

You said to answer yes to this question "Box 6: Is the recipient of the distribution the designated beneficiary?"

But just below this question it says "Recipient is not designated beneficiary." And the answer to this statement is no.

Further confusing things is the fact that the Yes/No radio button for this question appears just below the second quote identified above.

Thus, it seams the "not" is in error and should be removed from the above statement in the turbotax program.

Re: My 2025 1099-Q form shows a $19000 distribution from my 529 account. How do I show on 1040 fo...

AnnetteB6 — Tue, 17 Feb 2026 16:58:44 GMT

Take a look at your Form 1099-Q box 6. If there is a box checked on your form, then answer 'Yes' to the question for box 6. If there is not a box checked on your form, then answer 'No'.

The wording on the TurboTax entry screen is confusing, but the important thing is to match the information shown on your actual Form 1099-Q. The wording on the screen is being reported to the development team to follow-up and make some updates for clarity.

@user17712517236