It is 2026 and time to actually do our 2025 US Income taxes, I'd like to know from TurboTax just how they are handling RMD's with regard to the Secure Act 2.0, section 204. Here is an example:
I have a regular IRA which has an RMD in the amount of $30,000 to be withdrawn in 2025.
I have 3 annuities which are Qualified plans. The amounts they paid me in 2025 and the RMD minimums are as follows: (amounts are not actual values - for illustration for this question)
Annuity-A: $5000 paid and $3000 required to meet RMD ($2000 more paid than RMD required)
Annuity-B: $4,000 paid and $2000 required to meet RMD ($2000 more paid than RMD required)
Annuity-C: $10,000 paid and $4000 required to meet RMD ($6000 more paid than RMD required)
Therefore the 3 annuities paid me $10,000 more than required to satisfy their RMD requirement.
So with Secure Act 2.0, section 204 I can use that $10,000 to offset the $30,000 required to be withdrawn from my IRA account (and then just withdraw $20,000 from my IRA and be in full RMD compliance).
MY QUESTION IS: How does TurboTax do that? How do I see that TurboTax is doing this correctly? AND: If TurboTax cannot do this via "EasyStep" -- how do I input everything in the FORMS section to get this correctly entered?
Thanks very much.
Stephen S. on Monday 16 February 2026
