You are generally correct.
Dividends and capital distributions only become my taxable incomes when they are distributed.
Yes, Dividends and capital distributions are not taxed until they are received by you.
RMD also becomes my taxable income when they are withdrawn. (As I always withdraw them at the end of the year, I don't need to pay estimated tax in the first three quarters of the year.)
Yes, the RMD is taxable in the year you receive it.
When I use RMD as tax payments, they are viewed as evenly distributed through the entire year no matter when they were being withdrawn.
Because there is no date on a W-2 or a 1099, the IRS assumes that the tax withheld is spread evenly over the year - which is the way that TurboTax treats them.
Although you may know that the RMD was received in the 4th quarter, TurboTax has no way of knowing that. Hence, there is not need to worry about the 2210.
Are you saying that TurboTax created a 2210 for your return?
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