Client has a form 1099R with a code J in box 7 which states Early Distribution from a Roth IRA. Taxable amount is blank and it is marked that taxable amount is not determined. When the client withdrew the funds, he specificity requested only the funds that he had contributed so that there would be no tax. My tax software is taxing this Roth withdrawal, I believe based on the code J. Client spoke to AXA advisors and the rep stated that the withdrawal should not be taxable but the code J was listed on the 1099R due to his age which is 44. What am I missing? If the Roth withdrawal is taxed then he owes a lot of tax. Thanks for any advice.