I have two Inherited IRAs (both from the same deceased non-spouse). I was a 50% beneficiary. They had cost bases and I have inherited my 50% of the 8606 cost bases.

I also have my own personal Traditional and Roth IRAs. I have cost basis in my Traditional IRAs which I have always tracked on my own 8606 form.

I am under age 59.5, and have never taken any distributions from my personal accounts. I do take the RMD from the inherited accounts and use the 8606 to determine my taxable amount.

In 2013 I converted some of my personal Trad. IRA to a ROTH, and received a 1099 form. This is the first distribution I’ve taken from my personal accounts.

The question is: neither TurboTax nor H&R Block software allow me to have two 8606 forms in the software. If I am correct, I cannot combine my 8606 info from Inherited and Personal on to one 8606. So, how do I manage this….I have paper 8606 forms where I fill in my info for my own tracking purposes, but the software won’t let me have two 8606 forms for electronic filing (or even for electronic tracking).

Do you have info on whether I can combine my 8606s in to one form, or how to have two 8606s in my filing? (software allows for Taxpayer and Spouse 8606s, I think, by mine is a Single return, not Joint, so there’s no spouse.

Lastly, Inherited Roth distribution (RMD) is not taxable to me at federal or state level, correct? (I assume since the original account owner paid taxes when contributions were made, that distributions would not be taxable to her, nor to me as Inheritor. Is that correct?

As for Traditional IRA distribution from Inherited accounts (RMD), after adjusting for cost basis, the rest is taxable to me federally. In Massachusetts we are taxed at contribution time, so we are allowed to take distributions tax free until we reach distribution levels equal to all contributions. My question is, for Inherited IRAs with cost basis (therefore contribution total is known) can distributions be taken tax free until reaching the level equal to contributions, even if I was not the one who made the contributions?

Thank you