@forrest4 wrote: "Not sure what you meant by "Are you able to assist ..." "
The last line of my comment above asking someone to assist was not addressed to you. It was directed to a specific person (dmertz), who is knowledgeable in retirement tax situations. I had mentioned I was going to ask a specialist to join in since I'm not a tax person. By adding that line addressing him to my comment above that's how I notified him to look at your question when he's next around. If you look again, you'll see that it has his name by it and an "@" which notifies him. I don't know if he will be in the forum today or not.
You're additional info is helpful, however, and he should be able to tell you how all that will work on next year's return.
