ok, the distribution is finally in my Fidelity account and I can see (I think) exactly what was done. Using the lump sum payment calculated when I requested the payout (Feb 2019) they divided by 27.4 for the age 70 RMD. They then divided by 26.5 for the age 71 RMD. They added these two results to achieve a total RMD for age 70 and 71. Then they took from the RMDs 10% for Fed withholding and 1% for Calif. withholding. The lump sum minus the RMDs went into a Fidelity IRA. The RMDs minus the withholdings will be sent to me as check. Technically, it seems like, the age 71 RMD should have been based on the lump sum minus the age 70 RMD, but they used the original amount. At this point, I'm not too worried about that.
