I had a lengthy conversation with someone at Fidelity (where my non-qualified inherited 1099R was from) about this whole thing. She told me this type of annuity does NOT have an RMD at all. If TT asks for RMD for this fund, you should probably put 0. If in doubt, call the financial institution that gave you the 1099R and ask them if this fund has an RMD. But it sounds to me like you should NOT include your withdrawals from that particular fund in the RMD total. I'm just a hapless taxpayer, so I don't have any particular training in this, but that was my experience, and the veteran TT person I spoke to at the end, Dale (Dale is great, by the way!!!), as well as the Fidelity annuity person, told me that was the correct way to do it.
