Thank you for the detailed explanation, Mike.
This is so confusing, which is probably why I'm getting so much conflicting advice from each of the account advisers I've been talking to. Of course, they all caveat their advise by saying they aren't a tax specialist.
I'm just going to play itself by taking the RMD on any account where I have one and answering YES to the question about whether or not it's an RMD (can't answer NO anyway because Turbotax sets the answer to NO for all accounts).
