My guess was correct. Once I 'fooled' TT into thinking that I owed $$$, then the information about exceptions to paying the underpayment penalty appeared. However, the options available did not address my issue of uneven withholding during 2022.
I fixed the issue by going to the Forms method. On Form M-2210 (the Massachusetts version of the Federal form) there is a line that lets you enter uneven withholding. Once I put the RMD withholding in the April 15th box, the underpayment penalty disappeared.
