--- title: Why Didn’t I Receive a 1099-R for My Year-End Distribution? description: Help Center --- [Skip to content](https://support.aetrust.com/why-didnt-i-receive-a-1099-r-for-my-year-end-distribution#main-content) English Show submenu for translations [More support](https://support.aetrust.com/kb-tickets/new?hsLang=en) [Customer portal](https://cs.aetrust.com/tickets-view?hsLang=en) [![American Estate & Trust](https://support.aetrust.com/hubfs/Website%20Assets/Logo%20Assets/logo-text.svg)](https://support.aetrust.com/?hsLang=en) Open main navigation Close main navigation - English Show submenu for translations - [More support](https://support.aetrust.com/kb-tickets/new) - [Customer portal](https://cs.aetrust.com/tickets-view) - [Contact us](https://aetrust.com/contact) [Contact us](https://aetrust.com/contact) How can we help you? - There are no suggestions because the search field is empty. 1. [Help Center](https://support.aetrust.com/?hsLang=en) 2. [Investor Portal](https://support.aetrust.com/investor-portal?hsLang=en) 3. [Tax Reporting and Compliance](https://support.aetrust.com/investor-portal?hsLang=en#tax-reporting-and-compliance) # Why Didn’t I Receive a 1099-R for My Year-End Distribution? If you submitted a distribution or Required Minimum Distribution (RMD) request at the end of the year but didn’t receive a 1099-R for that tax year, you’re not alone. This is a common point of confusion, and it all comes down to **when** the distribution was actually **completed**, not when it was **requested**. ### **What Is a 1099-R?** Form 1099-R is an IRS tax document used to report distributions from retirement accounts, including IRAs. It shows the total amount distributed during the calendar year and is used when filing your federal income tax return. ### **When Is a 1099-R Issued?** A 1099-R is generated **only** for distributions that are **completed** within the calendar year—**January 1 through December 31**. If your distribution is processed on **January 1 or later**, it will be reported on the **next year’s** 1099-R, even if you submitted the request in December. ### **Common Year-End Scenario** Many clients submit distribution or RMD requests on December 31, expecting them to be processed the same day. However, due to: - **Market closures** - **Bank holidays** - **High year-end volume** - **Processing cutoffs** …it’s often not possible to complete the transaction on the same day. If your distribution was finalized in January, it will be included in the following year’s 1099-R. ### **How to Avoid This Issue** To ensure your distribution is reported in the correct tax year: - **Submit requests early**: Aim for mid-December or earlier. - **Check processing times**: Review our published deadlines for year-end transactions. - **Confirm completion**: Log into your account to verify the transaction date, or contact our support team. ### **How to Check If Your Distribution Was Completed** You can confirm the completion date by: - Logging into your AET account and reviewing your **Transaction History** - Looking for the **“Distribution Completed”** status and date - Contacting our support team if you’re unsure ### **What If My Distribution Was Processed in January?** If your distribution was completed in January, it will appear on the **next year’s** 1099-R. You do **not** need to report it on your current year’s tax return. ### **Summary** **Tables can't be imported directly. Please insert an image of your table which can be found [here](https://5454409.hs-sites.com/knowledge/why-didnt-i-receive-a-1099-r-for-my-year-end-distribution).** **Scenario1099-R Issued For** ### **Need Help?** If you’re unsure about your distribution status or need help understanding your 1099-R, our support team is here to help.  - [Investor Portal](https://support.aetrust.com/investor-portal?hsLang=en#main-content) - [Online Portal](https://support.aetrust.com/investor-portal?hsLang=en#online-portal) - [Transfer-ins and Rollovers](https://support.aetrust.com/investor-portal?hsLang=en#transfer-ins-and-rollovers) - [General Account Questions](https://support.aetrust.com/investor-portal?hsLang=en#general-account-questions) - [Tax Reporting and Compliance](https://support.aetrust.com/investor-portal?hsLang=en#tax-reporting-and-compliance) - [Signing Request](https://support.aetrust.com/investor-portal?hsLang=en#signing-request) - [Bill Pay](https://support.aetrust.com/investor-portal?hsLang=en#bill-pay) - [Prohibited Transactions and Compliance](https://support.aetrust.com/investor-portal?hsLang=en#prohibited-transactions-and-compliance) - [Fees and Payments](https://support.aetrust.com/investor-portal?hsLang=en#fees-and-payments) - [Investment Questions](https://support.aetrust.com/investor-portal?hsLang=en#investment-questions) - [Account Closure and Transfer-out](https://support.aetrust.com/investor-portal?hsLang=en#account-closure-and-transfer-out) - [Assets](https://support.aetrust.com/investor-portal?hsLang=en#assets) - [Business Portal](https://support.aetrust.com/business-portal?hsLang=en#main-content) - [Getting started](https://support.aetrust.com/business-portal?hsLang=en#getting-started) - [FAQ](https://support.aetrust.com/business-portal?hsLang=en#faq) - [Training](https://support.aetrust.com/business-portal?hsLang=en#training) - [Investments](https://support.aetrust.com/business-portal?hsLang=en#investments) [![American Estate & Trust](https://support.aetrust.com/hubfs/Website%20Assets/Logo%20Assets/logo-text.svg "American Estate & Trust")](https://aetrust.com) [mailto:support@aetrust.com](mailto:support@aetrust.com) Copyright © 2025, American Estate & Trust