Good answer!! I will have to begin taking an RMD this year and just discovered that the "torpedo" trap exists. I want to use Turbotax to examine various scenarios including moving 401K money into a Roth IRA to "avoid" certain taxes. I have used Turbotax for decades and never questioned how its algorithms have handled various scenarios I have found myself in. At least the IRS hasn't complained! Now tax avoidance has become more important and complicated.
Thanks to you and the others who answered my question.
Regards
