I think I can answer my own question. Actually, TurboTax seems to have solved it. I went ahead and entered the 1099-R, including the $600 NJ state withholding. As I closed out that step, TurboTax automatically prompted me to download NJ state tax module and, likewise automatically, prepared a NJ non-resident filing. So, NJ has our $600. Upon filing federal and state, I'll file the NJ non-resident submittal, which will (because we're not NJ residents) qualify us for a $600 refund (fingers crossed). BTW, I contacted Fidelity, explained the problem and they went into their CRM and noted that they'd actually caused the error as there was a record of my wife phoning in to update our Florida address in the fall of 2017. And they offered to pickup the costs of the TurboTax module and the electronic filing fees. Wow. Sometimes karma hits. Going now to buy a lottery ticket for the first time. Hoping karma stays with me.