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Thank you so much for your clear, concise, to-the-point answers! Really appreciate it.

 

After research, I was also surprised the brokerage didn't advise me not to include that 10% tax withholding.

 

Regarding 2019 tax filing, you advised that I will include 2019 1099-R again.  Do I include all the information (ie inclusive of Box 1 total distribution, box 2a)?  Or only tax in box 4?  Thank you! You're awesome.