I have several Fidelity IRAs (two SMAs and one self-directed account) and two annuities. The distributions from my annuities greatly exceed the RMDs required from those annuities. I also made a number of QCDs from one of the Fidelity IRA accounts. I subtracted both the RMD excess distributions from my annuities and the QCDs from my required RMD and took the remaining RMD from one of the Fidelity IRAs. So now the question for TurboTax is how much to report as my "required" RMD on the 1099-R from the one Fidelity IRA where the remaining RMD was taken. Do I just report what Fidelity said I owed from that one account? Or do I add together the required RMDS from all of the Fidelity IRAs (I didn't get a 1099-R from the Fidelity IRAs where I made no withdrawals)? Do I subtract the overage from my annuities? Do I subtract the QCDs from the "required" amount? HELP!!!
