If you take money out of a retirement account in 2020, you will receive a 1099R in late January, which you will have to enter on your 2020 tax return. No, you cannot spread the tax out. The custodian of the account will withhold some federal tax which will be shown on your 1099R. But the tax you owe will be determined by the total amount of your 2020 income--which we do not know---so we cannot tell you how much tax you will owe for the distribution. You will be taxed at the rate for your tax bracket.
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