Reply To: 1099-R on Roth IRA annuity payment

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#14840
Alan S.
Participant

As you can see, Form 8606 and the instructions do not contemplate this situation. And Form 4852 does, so that is the better choice.

If you do decide to use Form 8606, and you are pretty sure that your annuity payments by now have exceeded your regular contributions balance, this 1600 distribution will come from your conversion balance. I think you have enough regular and conversion basis info and distribution info to ignore the charts, and you have not been filing an 8606 anyway, so I would just show what you think is your remaining conversion basis on line 24 and that would be enough to make line 25a 0.