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What is IRS Form 1099-R and when can I expect to receive it?
What is IRS Form 1099-R and when can I expect to receive it?

Form 1099-R is used when filing taxes to report a withdrawal from a 410(k) or IRA. Here's when it will be available and where to find it.

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What is IRS tax Form 1099-R?

Form 1099-R is an Internal Revenue Service (IRS) document that reports distributions (withdrawals) from retirement accounts, such as 401(k)s and IRAs.

If you took any distributions, the form will include:

  • The distribution amount(s)

  • Whether you had income tax withheld from those distributions

  • Specific information about the type of distribution

Please note, you will not receive a 1099-R if you took a 401(k) loan (unless the loan was "deemed distributed").


When will I receive tax Form 1099-R?

You will receive a mailed copy of your Form 1099-R by January 31 of the year after you took the distribution from the custodian who holds your Guideline retirement funds, Benefit Trust Company (BTC). You will use this form when filing your taxes for that year. BTC must also provide the information reported on your 1099-R to the IRS.

Where to find your 1099-R tax form with Guideline

Guideline will provide a PDF version of your Form 1099-R approximately 4-6 weeks after the custodian mails the form.

Once available, you will be able to view and download the PDF tax form within your dashboard by following the instructions below.

⚠️ 2023 Form 1099-R now available: 401(k) and IRA

Note, if you did not take a distribution from your retirement account, you will not receive a 1099-R.

Within a Guideline 401(k)

  • Click on the Help button in the main menu

  • In the drop down, select Resource library

  • Go to the IRS folder under Your Documents

  • Your Form 1099-R and any other applicable tax documents will be available to view and download

Within a Guideline IRA

  • Click on your name in the main menu

  • In the drop down, select Resource library

  • Go to the IRS folder under Your Documents

  • Your Form 1099-R and any other applicable tax documents will be available to view and download

Note: If the IRS folder does not appear in your Resource Library, you may not have any tax documents available.

​​This information is for informational purposes only and is not intended to be construed as tax advice. For more information, consult a qualified tax advisor.


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