Now that I have more room I'll add this, giving everyone more information. I actually received two 1099R's from Schwab. One had the correct Code (i.e. normal distribution), while the other had the Code for early distribution. Note: It might be a coincidence, but the 3 withdrawals totaling the wrong code were before my birthday. The others were afterwards. In 2022 I had to make 8 small withdrawals. I think they have the correct birthday.
