I have gone through a process similar to Carol's.
I have three IRAs. I have calculated my total RMD via a spreadsheet and have withdrawn that total amount - but disproportionately. A complicating issue may be that some distributions were via QCDs. In the "Required RMD" box I entered the total amount of QCDs for that account and then later indicated the charitable distributions for those accounts.
In any event I get flagged for insufficient withdrawals and "Do I want to fill out a waiver request?"
