Yes Cjuhlman, this is a simple work around. None of it actually goes into your tax return, only the distribution you received that matches up with the 1099R report that the IRS receives to match up with.
Does anyone in community know of someone who didn't meet RMD in prior years (before TT triggered the penalty form) and who's return trigger an IRS inquiry? Even if they might have the capability, I doubt that they actually could follow up on it - my suspicion is that we're on the honor system, until someone gets caught for another reason. I have IRAs that I don't take distributions from (but make up elsewhere), but I'm not awar the IRS receives any end-of-year values from the institutions.
