Followup to earlier question:
Reply is "You simply enter the 1099R into the tax software and then answer a question in the software as to whether the distribution was an RMD. "
So -- when IS my distribution an RMD?
Q: If the total of all distributions for the year exceeds RMD requirement, then do I say YES, it IS an RMD? What if I need several 1099Rs to add up to my RMD requirement? Then do I say YES for ALL of them, or just SOME of them? What if my IRA administrator(s) (i.e. Vanguard, Merrill, etc.) does not force me to take RMD, but I take self-directed ad-hoc distributions myself - do I count those as RMD?
That's the nature of my question.
