Same-Kind IRA Rollovers

Forum|Forum|4 months ago
March 16, 2026
2 replies
467 views

In 2025, I did several IRA rollovers. They were always same-kind rollovers (e.g., Traditional IRA to Traditional IRA, Roth IRA to Roth IRA) and they were always from Schwab to Fidelity. No 1099-Rs were issued to me. I this normal? Please advise. Many thanks.

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Best answer by dmertz

Expert Reviewed

To be clear, the movement of an IRA by trustee-to-trustee transfer is neither a distribution nor a rollover. That's why such movements are not reportable. The movement of a 401(k) to an IRA, even if done directly, is a distribution and rollover, so that's reportable.

DaveF1006

Level 15

Yes, this is normal because these were trustee-trustee rollovers and not 60-day rollovers. The reason you haven't received 1099-R's is that these transfers are non-reportable events for tax reporting purposes.

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BTRRAuthor

Level 4

Thanks! Very helpful! One follow-up question: What about the rollover of a 401k (at an employer) directly to a Traditional IRA (at Fidelity)? Will this generate a 1099-R?

Karis_F

Level 7

Yes. A direct rollover from a 401(k) to a Traditional IRA within 60 days will generate a Form 1099-R with Code G (rollover) in Box 7. This is a non-taxable event.

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