I have the same issue, as I have 2 IRA's with RMD's. I usually take all my distributions, including my RMD's out of one account. This means I don't have a distribution AT ALL from one of my IRA's. So I'm always in a quandary as to how to report it in Turbo Tax. The directions say NOT to combine the the amounts on multiple RMD's on one 1099-R. But if I have a RMD requirement for an IRA but take my distributions from a different IRA, I don't get a 1099-R for that IRA. So how to report the RMD when there is $0 distribution from one IRA.
Example: I have 2 IRA's that each have an RMD. IRA A has a RMD of $250 and IRA B has a RMD of $400.. I don't take any distribution from IRA A, but I take a $6000 distribution from IRA B. Included in that distribution from IRA B is the $250 RMD for IRA A, $400 RMD for IRA B, some QCD's, and cash distribution.
Where and how do I report the $250 distribution for IRA A that I took as part of my distribution from IRA B?
There needs to be some better questions asked within the program to address this type of situation.
I agree that this is a very complicated set of steps for this situation, and I, too, am very frustrated with this.
I have also been using Turbo-Tax for close to a quarter century and have been frustrated when procedures that I have found very useful and helpful, are changed or completely removed, (with no apparent reason why.)
