Please review my post above of 05-10-2024 8:10 PM.
the 6% applies to the second case only. see Form 5329.
also, you can search the forum for other posts on how to get the amendment via Turbotax,
including how to make up the anticipated 2024 Form 1099-R for entry now, either on 1040 if you did not file yet, or on 1040-X if you already filed 1040.
@msv1
