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Thank you for the replies. Turns out the RMD will cover it all.  They treat RMD as spread thru the entire year so no Q payments needed.

The question I have is how much to have withheld from the RMD for the fed:

  • the amount of our fed tax liability for 2022 ($15k in my example),
  • the amt our TT 2022 return said we should pay via ES-1040 forms ($7945 total in my example) or
  • the amt on an our estimated 2023 TT return (done for now in TT 2022) that reduces the penalty to $0 ($8602 in my example). 

Thanks.