I broke the numbers into two 1099-Rs per your suggestion but the amount shown in box 4a of the 1040 is only $32K instead of $51K. The taxable amount in box 4b is $32K which is correct. It would seem like the 4a box should be adding up all the relevant 1099-Rs but it isn't. When I click on box 4a with the $32K, it takes me to a worksheet with $32K in the 4a box. When I click on that, it wants me to choose one of the 1099-Rs rather than computing a sum of the relevant 1099-Rs.
Also, for the 1099-R for the $19K what is the code that goes in Box 7? It was 7 on the original 1099-R sent by the financial institution (Fidelity).
