@Jack-A-Lope wrote:
Thanks for the quick responses. As noted, some of the online resources on this are confusing.
Here are real numbers, rounded. I made a Roth conversion in March of $60,000. I need to make a $50,000 RMD for 2022. There is plenty left in the IRA. So if I understand what you are saying, here is the best / easiest way to handle this:
Take the RMD before year end. When filing taxes, the 1099-R forms don't make a distinction about timing as long as the RMD is fully taken out, and of course, not converted. When filing taxes don't do any special treatment and everything should be fine.
[note added: per @dmertz below, this is not technically correct, but the paperwork will look correct and might not raise any red flags.]
This is what I believe to be correct. Your tax return must show that you withdrew at least $110,000. $50,000 is deemed to satisfy the RMD, leaving $60,000 eligible for conversion. I don't think it matters that you got the order wrong (and the form won't even show it) as long as the math is correct.
