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Who generates the 1099-R filing?

Learn which 1099-R filings our generator prepares and when you'll need your CPA.

Who files the form?

If you have an active Solo 401k plan, our 1099-R generator prepares and files IRS Form 1099-R for you for assets held in your Nabers Group Solo 401k. The generator supports three distribution codes:

  • Code G, Roth conversions and direct rollovers: moving funds from pre-tax or after-tax to Roth inside your Solo 401k, and direct rollovers such as moving after-tax contributions to a Roth IRA

  • Code 7, normal distributions: for example, distributions taken after age 59½

  • Code 1, early distributions: distributions taken before age 59½

For any distribution that needs a different code, your CPA will need to prepare the 1099-R. This includes participant loan defaults (deemed distributions) and rollovers of Roth 401k funds to a Roth IRA.

Click here to use the Solo401k.com 1099-R generator.

You must submit your form by January 20th for the previous year's distributions. If you miss the January 20th deadline, you will need to work with your CPA to complete the filing.

1099-R Generator FAQs

  1. Where do I find the 1099-R Generator? https://app.solo401k.com/1099r

  2. What's the deadline to submit the form online? January 20th at 5 pm ET. Submissions received after that date will not be included in the January 31st filing.

  3. Which distributions can I use the 1099-R generator for? Roth conversions and direct rollovers (code G), normal distributions (code 7), and early distributions (code 1). For anything else, such as a participant loan default or a rollover of Roth 401k funds to a Roth IRA, please work with your CPA.

  4. I made a mistake. Should I fill out the form again? You may fill out the form again, but you must email our team at [email protected] with your corrected filing information. Duplicate submissions will be ignored.

  5. I forgot to file a 1099-R for an earlier year. Can I use the generator for it? No. The generator is for the previous calendar year's distributions only. For earlier years, please work with your CPA.

  6. I had some growth on my after-tax funds. Should I still use this form for my Roth conversion? No. The generator assumes there is zero (0) growth on after-tax funds at the time of conversion. If your after-tax funds had growth or profit, please work with your CPA to ensure a correct IRS filing.

  7. My spouse needs to file a 1099-R. How can I complete the filing for them? The 1099-R generator is for each participant. If your spouse needs to file a 1099-R, please have them log into their own portal at app.solo401k.com/login and go to app.solo401k.com/1099r to complete the filing.

  8. My distribution included dollars and cents (for example $10,500.53), but the generator doesn't allow cents. How can I submit the correct amount? Please email our team at [email protected] and include the exact amount you need to be reflected on your 1099-R.

  9. I did two Roth conversions in the same year. How many times should I fill out the form? Fill out the form one time per tax treatment. Duplicate submissions will be ignored.

Example #1:

  • March 15: $2,500 conversion from pre-tax to Roth

  • November 8: $15,000 conversion from pre-tax to Roth

  • ONE filing, since both conversions were the same tax treatment

Example #2:

  • February 19: $1,800 conversion from pre-tax to Roth

  • October 31: $36,500 conversion from after-tax to Roth

  • TWO filings, since each conversion was a separate tax treatment

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