@Bearly 

"These tax experts here are wrong and Turbo Tax fails to handle this situation."

Well, you might want to go to the Turbo Tax user community, then, to let them know about your issue and to get help with that program.

"If anyone can help me figure out how to get TurboTax to handle this"

Your log in here will also work there. Here is the link:

https://ttlc.intuit.com/community/discussions/discussion/03/302

Because right now, you are lost on the internet.