Another thought:
Since I have significant time spent entering all my information into the "online version" I guess I could iterate in 100 dollar increments to see how that tax changes as I cross those MAGI thresholds, for example 250K for the NIIT tax. I can compare this to the calculations I expect and if it matches just finish with the "online version.
If turbo tax "online" is indeed wrongly applying the 3.8% NIIT tax on the 401K In-Kind distrupution, then every 100K over the 250K threshold will add an additional 3,800 to my taxes and I should see that.
If if the end result is what I do expect I don't have to start over entering everything into the "desktop version" of Turbo Tax. At a minimum I've learned more about the two versions of the software and educated myself on NUAs , 1099-R and 1099-B considerations for entering the cost basis, NUA distribution amt, and post distribution appreciation that can be handled with changing the cost basis and matching it to the 1099-B (that in my case didn't include a cost bases or any purchase dates which allows one to adjust those - a good thing). In a perfect world it would be nice if there were 2 1099-B forms, one for the distribution and one for the post distribution gain or loss.
