dmertz
Level 15

Retirement tax questions

MikeDip, it doesn't matter how you take the distribution(s) as long as long as they total at least as much as the late RMDs plus the 2019 RMD.  Whatever amounts are distributed in 2019 will be reported on a single Form 1099-R.  You'll provide details in your explanation that accompanies the Forms 5329 requesting waivers of the excess accumulation penalties.