Still not understanding. The distributions taken in 2019 were based on the value of IRAs at the end of 2018 not 2019. Also, when inputting the info from the 1099s we marked what was for charity and what was not. Those for charity were not taxable and those that weren't for charity were taxable. The value of the IRAs at the end of 2019 have nothing to do with income so why should it effect and lower refund?
I looked at the 8600-1 form you mentioned and the numbers there don't add up to the source they were supposed to come from.
