dmertz
Level 15

Retirement tax questions

I agree, it appears that Fidelity actually did the right thing and distributed the RMDs before rolling over the remainder despite the information that you got from someone there along the way suggested that they would not do that.

"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. "  Actually, the IRS has provided guidance that this sort of adjustment is *not* to be done when a particular year's RMD is taken in a subsequent year.  They've apparently treated the pension as having the same value on December 31, 2017 and on December 31, 2018, which is not unreasonable since it probably represented the same future value given the way the actuarial tables work.