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Level 2
posted Jan 18, 2022 9:50:04 AM

We received Stimulus Check, part of that was received because my daugthers so we open for each one UTMA accounts (UNIFORM TRANFERS TO MINORS). How can I file that taxes?

Entire money for all teh family arrive for my account, but I use for each, Maybe have I file taxes for each one? or what I have to do?

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1 Best answer
Expert Alumni
Mar 18, 2022 4:37:01 PM

Putting money into a UTMA account is not a taxable event. What is taxable is the earnings the money earned in the UTMA account.

 

A 1099-DIV means the account earned some dividends and/or capital gains. That's what's taxable. 

 

As awesome Tax Expert @PattiF said you may to file a form to report your child's income on the child's return or on your tax return.

 

See: Topic No. 553 Tax on a Child's Investment and Other Unearned Income (Kiddie Tax)

10 Replies
Level 15
Jan 18, 2022 9:59:26 AM

What you did with the stimulus check you received is not relevant.   You do not have to enter anything about what you did with the stimulus money. when you answer the questions for the recovery rebate credit.  You do have to enter how MUCH you received for the stimulus check, because you cannot get it twice.   Make sure it is not showing up again as a credit on line 30 of your 2021 Form 1040 if you already got it.  

 

If you say you did not get it when you did, it will delay your refund for months.

Level 15
Jan 18, 2022 10:16:38 AM

Or are you really asking if you have to enter something about the UTMA accounts?   Did you open the accounts in 2020 or in 2021?   Did they send you a 1099DIV for the accounts?

Level 2
Jan 18, 2022 10:55:15 AM

Yes, I have to file that on my 1040 or my daugther have to file each one.

Level 2
Jan 18, 2022 10:59:21 AM

by the way thanks for take teh time ho help. happy new year.

Level 2
Mar 18, 2022 1:20:26 PM

We received for the UTMA account, Form 1099-DIV, yes. The UTMA was created with more than $2200 coming from the stimulus money that my family received. I have to fill out form-8615?  for the money as  a Unearned Income,? and/or Form 8614 for the Form 1099-DIV, we received for that?

Expert Alumni
Mar 18, 2022 2:25:11 PM

You may have to file something for your daughters depending on the amount of the dividends in boxes 1a, 1b, and 1c. If those amounts are greater than $2,200 then a return would be required. The amounts on Form 1099-DIV are what you look at to see if a return is required, not the amounts that funded the accounts.

 

@sand288999

Level 2
Mar 18, 2022 4:02:38 PM

if it is posble that the money to fund the UTMA could be considered as a gift?, this kind of gift coulb be considered as Unearned Income? They could have to fill as a Unearned Income  form 8615?  or this kind of gift will apply other limits?

Expert Alumni
Mar 18, 2022 4:37:01 PM

Putting money into a UTMA account is not a taxable event. What is taxable is the earnings the money earned in the UTMA account.

 

A 1099-DIV means the account earned some dividends and/or capital gains. That's what's taxable. 

 

As awesome Tax Expert @PattiF said you may to file a form to report your child's income on the child's return or on your tax return.

 

See: Topic No. 553 Tax on a Child's Investment and Other Unearned Income (Kiddie Tax)

Level 2
Mar 19, 2022 6:46:06 AM

PattiF Thank you so much for all your help.  you are really awesome.  😉

Level 2
Mar 19, 2022 6:47:03 AM

Ernie, Thanks a lot for the clarification. 🙂