Form 8606 is not used to report the RMD for an IRA. Form 8606 is used to report the following:
- Nondeductible contributions you made to traditional IRAs.
- Distributions from traditional, SEP, or SIMPLE IRAs, if you have ever made nondeductible contributions to traditional IRAs.
- Conversions from traditional, SEP, or SIMPLE IRAs to Roth IRAs.
- Distributions from Roth IRAs.
So, if your wife's IRA didn't have any of these, your tax return won't have a 8606 for her.
You generally get the IRA RMD questions as a part of the 1099-R distribution interview. But, you only need to answer the questions if your wife did not take an RMD. TurboTax asks those questions to "know" if you need to pay the penalty for not taking an RMD.
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