Retirement tax questions

If you satisfied your total RMD ($8,000) using only one of your accounts (Account A), follow the steps below to avoid the "missed RMD" loop:

First, delete the Form 1099-R and also delete any Form 5329: 

1. In TurboTax Desktop, select the form then click Delete Form at the bottom left
2. In TurboTax Online, on the left panel, click on the down arrow to open more options
3. You may have to scroll down a little to view the Tools option below
4. Click on Tools, then Delete a form (Usually the third option down)
5. Scroll down to delete Form 1099-R and then delete Form 5329-T (and 5329-S, if applicable)

Next, enter the information for the account that distributed the $9,000 (Account A). Since one of your Form 1099-R distributions covers all RMDs for 2025, you can enter the full amount of the RMDs (no extras) in the first Form 1099-R distribution and then skip the second Form 1099-R* questions about RMD by entering zero at step 4 and just Continue through the remaining questions:

1. When you reach, "Let's get more information about your Required Minimum Distribution (RMD)", enter the amount of your RMD ($8,000) that was due by December 31, 2025, Continue
2. On the next screen, "How much of this distribution applied to your December 31, 2025 RMD?", select "The entire distribution applied...($9,000)", Continue
3. When you reach, "Review your 1099-R summary, Continue (not the pencil)
4. When you reach, "Let's go over any required minimum distributions (RMD), Continue (not the pencil)

*If you did not take a distribution from the second account (Account B) and did not receive a Form 1099-R, you can stop after the above steps. As long as your total distributions on your Form 1040, Line 4a/4b equal or exceed your total RMD, you are in compliance.

Note: After completing the entries, ensure there was no penalty triggered by following the "delete the form" instructions above. If there is a Form 5329, you will need to repeat the steps above, starting with deleting Form 1099-R and Form 5329.