You can use the download version of 2020 TurboTax, available for purchase now, to simulate your tax return in various ways to determine the approach that makes the most sense for you. However, the retirement section of TurboTax's step-by-step entry method is not yet available, so you would have use forms mode to enter the Form 1099-R that represents this distribution. Also, support for Form 8915-E for reporting CRDs is not yet functional, so you'll need to enter it as a 2019 disaster distribution for which TurboTax will prepare Form 8915-D which implements the same rules as those for a CRD. You'll be able to use the checkbox on line 9 of Form 8915-D to indicate whether you want to include the distribution entirely in 2020 income or spread it in equal parts over three years.
