I'm having a similar 1099-R, but not the exact same, problem. Smart Check says I need to enter the payer's address. This 1099-R was downloaded from a brokerage located in another state, but Smart Check has already filled in MY state, and won't let me change it. It's as if Smart Check is asking me to create a 1099 to send to the charity I've had the brokerage send the donation check to.
Any thoughts?
