@talltodd
Youre right. That would have been ideal but I couldnt afford the full tax liability in year 1.
I initially didn’t want to have any state tax removed at the time of the distribution but due to an ill informed agent my wife and I find ourselves here. I told the rep that the state doesn’t mandate withholding because I had already taken a distribution without state taxes withheld but they would not complete the process without the state taxes being removed.
