Retirement tax questions

Ok ... so you had an IRA on 1/1/21  and you were required to take say $5K for the RMD  but you liquidated the entire account therefore satisfying the RMD plus much more.  On 12/31/21 you will have nothing left in the closed account  and in Jan of 2022 you will get a 1099-R for the distribution that was made  to report on the 2021 return.  What you did with all the funds withdrawn is immaterial as long as you did not put the  RMD back into another IRA.

 

Eventually the annuity  will be annuitized and you will be taking the required distributions  based off the annuity contract requirements.