I have called Turbo Tax and interacted on this community with Turbo Tax for several hours and have found no one who is able to either give a legal way to resolve this issue, or admit there is a flaw in the software. They apparently have no intention of fixing the software.
So this is my solution that will definitely not work for all situations.
1)The IRS says you must calculate the RMD for each IRA account. So the required RMD for that account is being put in as the required RMD, calculated as the total account value Dec 31, 2024 divided by the unified life expectancy. This has to be this way because the IRS gets your account balance in form 5498 for each account, and they know your age so they will compute it and it needs to balance.
2)The IRS says you can take the distribution to meet the RMD requirement from any of your IRAa and it is aggregated and should meet your requirement from #1 above. Therefore when TT asks what part of your distribution you have taken to meet the RMD, the IRS will let you take credit for distributions from any account. So as long as your total distributions from all accounts meets the total RMD requirement, put in the same number as the requirement. It may be paid from another account but that is OK. It is as the IRS intends, so I can sign this return in good conscience.
If TT does not fix this issue, I will not be using it next year.
