Thanks ever so much AmyC.
I have been working on this for months, and it looks like this solution might work.
I have one further question: What do I do with the 2020 Form 1099-B sent to me by Vanguard, which shows my rolled back RMDs as taxable because I send them to an account that holds stock market shares. That account has been in existence since 2013, when I started taking RMDs. I have never before made any withdrawals from that account.
The 1099-B shows the following:
2020 Form 1099-B
Proceeds from Broker and Barter Exchange Transactions
Transaction description: TOTAL STOCK MARKET INDEX ADMIRAL SHARES
Quantity sold: 51.286
Date sold or disposed (Box 1c): 06/30/2020
Date acquired (Box 1b): 09/17/2013
Proceeds (Box 1d): 3,911.08
Cost or other basis (Box 1e): 3,017.49
Wash sale loss disallowed (Box 1g): 0.00
Gain/Loss: 893.59
Federal income tax withheld (Box 4): 0.00
State income tax withheld (Box 16): 0.00
