qbteachmt
Level 15

"From the client. she told me it was rolled over from IRA 401k to ROTH account."

It would be Taxable, but it might be pro-rata. Again, if that is an annuity or insurance contract, there might be post-tax payments, which would not be taxable pro-rata to their contribution of the total balance.

There is no Roll Over, unless it was Split. And that also could have happened. The post-tax part that was held at the employer is moved to a non-qualified (regular investment or savings) account. The pre-tax amounts (from an employer, or earnings) are qualified to be transferred/rolled over into a similar sheltered tax-deferred account.

This is why we cannot help you. There is a huge matrix for this type of event. The taxpayer should give you paperwork, answer, find answers, put you in touch with the employer or broker, etc.

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