I have a similar, though not the same, issue. I have several IRAs, with a 1099-R for each. The combined disbursements exceed the combined total of the RMDs . But because the disbursements from one of the IRA accounts was less than the RMD required for that account, TT is telling me I owe a penalty for that account, even though the combined total of all disbursements from all the IRAs exceeds the combined total of RMDs for all accounts combined. My understanding is that I have the option to withdraw the total RMD amount from just one IRA or divide the withdrawal across several IRAs. Is my understanding correct? And if so, I do I avoid the penalty that TT is telling me I owe?
