Apparently, the default for Turbo Tax is to assume all withdrawals from an IRA are subject to penalty even though you enter your birth date at the beginning of the questionnaire, There is a long list of reasons you can check which allow a withdrawal before 59 1/2 without penalty. At the end of the list, you can check you are over 59 1/2. I missed it, but seems like an illogical place to put that.
