Reply: I am using the TTDeluxe/download, fully updated to Dec 29. I agree with another poster here and echoed by by Charles Schwab rep, the QCD stuff is not related in law to RMD details. Software wise it would be boneheaded to hard code date stuff. It should take the birthdate already entered in TT, add 6 months and compare to Dec 31 for calendar year filers. (are there still fiscal year filers ?.... side issue). Thanks all
