My concern (and I will stop after this..) is I do not understand how TT can deduct more than my RMD. When I set up the QCD deductions early in 2022 I assumed my RMD would be larger because of some funds I transferred to my IRA in late Jan 2022. I did not find out until late December 2022 that, even though the funds were transferred in and my account got bigger, my RMD was based on my account numbers as of Dec 2021. So I wound up giving twice as much to charity in 2022 as my actual RMD. I am bothered that the folks holding my IRA did not say something in the many discussions we had, but they are not tax professionals and perhaps the blame is on me for not realizing the error.
I have an appt with a tax professional but not until April 3 due to some family support travel we have to do the the next several weeks. I am thinking of simply filing now before the IRS gets inundated, take my modest refund and amend the filing later if it turns out I erred.
I appreciate the feedback. Thanks.
