Option 2 (zeroes) still sounds sketchy to me, but on further thought, decided to amend the TT 1099-R record for the FI where we actually paid the missing RMD info to include the original figures *plus* the additional payments (RMD, FIT, SIT) we made for the 'missing' 1099-R. We're also prepped with a 5329 and its supplement, in case questions are raised.
Will see how it goes, but so far so good.
Thanks for the suggestion. This approach would not have occurred to me on my own,
