My apologies to the others responders. I responded to the first question I found, without reading further. Most of what I said was already here. But I have added that form 5329-T can be used to calculate the penalty if you did under-withdraw. And/or report the other IRAs that soak up excess withdrawals. But I did not experiment with how to get the real values in there (i.e., how to lie on the interview to get the correct data to flow to the form)
