Regarding the statement " If you directed any part of your RMD to a charity ... by the Account Administrator, the IRS will know that", this appears to be incorrect based on the outcome of QCDs issued from my IRAs at Fidelity and UBS in 2016. In neither case does it appear my IRA trustees were able to let the "IRS know that". Since both these institutions (Fidelity; UBS) are pretty substantial and IRS-reporting-rules knowledgeable, and were clearly informed by me that my IRA distributions were to be issued as QCDs, I question whether this statement is accurate. There are 26 Distribution Codes for Form 1099-R and none of them apply to a QCD? The only reference to QCD in the 1099-R instructions says "There is no special reporting for qualified charitable distributions". Could TurbotaxMichaelDC explain how QCD reporting works?
