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My son completed his taxes for the calendar years 2011 & 2012 using TaxAct. However, he failed to include the 1099R details for these 2 years. 2011 1099R reflected a ROTH IRA(Mutual Fund) $1080 distribution & $108 federal tax witheld. 2012 1099R reflected a ROTH IRA $2300 distribution & $230 federal tax witheld. These were early distributions taken within 5 years of opening his ROTH IRA in 8/2008.

Regrettably, during 2011 & 2012, son got into a financial bind, so borrowed from his ROTH. He did not disclose this information to me at the time of its actual occurrence. Upon his moving-back into our house, he did fully disclose his premature borrowing from ROTH, but I was not aware that he did not include the 1099R details until NOW.

Thus, I'm working with son to complete a 1040X for these respective years. Before doing the 1040X, I completed a correct 1040A form for 2011 & 2012 with 1099R data via TaxAct; to better help me prepare each 1040X. In spite of honestly answering the TaxAct questions for 2011 & 2012, part III of form 8606 for both 2011 & 2012 still reflects ZERO taxable amount!

We must be overlooking some detail or doing something wrong. Any input or suggestions welcome. Does this warrant a visit to the local IRS office, do they provide assistance with these completions?

troubled Apache
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