You may have misinterpreted the two documents.
You stated that you took monthly distributions from the 1099-R account.
- That sounds like a pension.
- Do you have a cash value, or was it a life time benefit offered by a company you worked for?
- If I've stated this correctly, This would not count nor require an RMD.
The account that's listed on the 5498 does sound like an RMD type account
- Does it have a cash value?
- This may require an RMD
I recommend that you contact your fund administrator or Broker and confirm the type of account.
Once you have confirmed the type of account you can contact us again for further direction.
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