TT handling of deceased spouse RMD

[chips29]

I transferred my deceased spouse's retirement IRA to mine mid 2023.  My spouse was required to take an RMD in 2023 as was I.  I withdrew enough to cover both RMD's, but I could not get TT to separate my spouse's  RMD from mine, so when asked 'how much of the withdrawal is for RMD?', I entered the combined amounts.  I did not receive a 1099-R for my spouse's closed account, just for my account.  What can I do in TT to clearly indicate my spouse's  RMD and my RMD?  

[dmertz · Accepted solution]

There is no need to clearly identify the separate RMD amounts.  When TurboTax asks how much is RMD, just enter the sum of your RMD and your spouse's RMD.  TurboTax only asks the question to determine how much was distributed that would be eligible for rollover.  If you didn't roll over any of the distribution, it doesn't matter how you answer this question.

[chips29]

Thanks, dmertz!!

[SuzMarie]

So my mother in law receives a federal pension 1099-R from her deceased husband…her husband died in 1985; she is 87. Why is turbo tax asking me for the amount of RMD when this is not a 401 or an IRA account? 

[DianeW777]

TurboTax asks because it's a question required by the IRS. Enter the amount of your 1099-R as the required minimum distribution (RMD) in this situation. It's a normal question about a retirement distribution on Form 1099-R and It would seem your mother in law is definitely taking the correct RMD her age. The financial institution does the calculation every year, even if they don't explain it.

@SuzMarie