Thanks Franklin. Unfortunately, since I'm retired, I don't really have the W-2 withholding option. I think the 1099 option (withholding reflected on the 1099 showing the distribution) is my best option.
I thought that I had captured the disparity in "income" between Q's 1-3 and Q4 as part of my tax forms but the IRS seemed to disagree. Fortunately the penalty was small enough to consider a "wake up call" for this year and wasn't worth a bigger "fight".
Hopefully I won't have a repeat this year by going the 1099 route.
