@scschulte wrote:
So I guess I'm really addressing this issue to Intuit / TurboTax and they don't seem to be replying -- I'll likely have to telephone them but will wait until the TurboTax 2025 version comes-out (earliest Nov 2025 but likely Feb-March 2026 before RMD's and similar 1099-R issues are included).
Except for January to April, this forum is staffed by volunteers, and even the Turbotax employees who answer questions are experts on tax preparation, not the programmers. As I already mentioned, the RMD interview was very confusing for 2024 and probably needs to be improved, but no one will know whether that has actually happened until they release the 2025 program.
Now, in point of fact, you can lie to the program to get the right answer and the program won't know or care, and the IRS won't care as long as you followed the rules. The general complaint for 2024 was something like, Turbotax wanted each IRA to have an RMD instead of allowing you to withdraw from one account to cover all RMDs that can be aggregated. The only reason you need to know if you withdrew less than the RMD is that you owe a penalty, and the only reason you would care if you withdrew more than your RMD is that if you want to do something like a Roth conversion from a traditional IRA, you have to withdraw the RMD first, then you can do the conversion, so Turbotax wants to know that your withdrawal (plus other income) was large enough to satisfy the RMD and the conversion. So you can lie to the program. If you have an annuity and 2 IRAs, and you determine the aggregate amount of the RMD, and withdraw it all from one account, and don't have 1099-Rs for the other accounts, Turbotax won't know about the other accounts, and you can just tell the program that the 1099-R that you do have is equal or more than your RMD.
