I am using the Desktop Home & Business and hope the following worked. I'm sorry to do this so "101" style but wow this one promises to be quite an issue if the IRS decides to dance on the heads of pins...with lots of letter writing down the line.
(1) I took my whole RMD plus additional funds from one of the two retirements accounts I have. (A & B)
(2) I received a 1099-R from account A.
(3) I did not receive a 1099-R from account B. since I took no funds from there
(4) I filled in the amount applying to account A on the window in which said "we need to know the RMD for THIS account only." (which was only 1/4 of the total RMD.)
(5) I clicked "The entire distribution applied to the 2024 RMD" (Even this phrasing was confusing. It should have said "The entire distribution applied to or was greater than the 2024 RMD")
(6) I went into form 5329 and filled out ONLY part IX. Which asked for the RMD amount from the account for which I received a 1099-R and took the funds and then on the next line asked for the RMD amount due from the account from which I had not received a 1099-$. . . I filled in the right amount on the "Distribution" column which covered them both -- zeroing the balance due so I didn't have check "Corrected" at all.
(7) I also filled out the Grand Totals at the bottom of Part IX for what was owed and what was distributed (i.e. no correction needed.)
and left it at that.
To best honest, after years of doing returns for myself and others this one is one of the worst "possible to screw up" ones and worries me. Anybody else have a better solution?
