Required Minimum distribution

mquilts — Tue, 17 Feb 2026 19:52:04 GMT

I took more than out more than my total minimum distribution in my accounts.

I transferred money from largest managed account and put in another smaller account. I later took out money from the smaller account and took takes from those distributions.

I do not have a 1099 from largest managed account which had the largest RMD. My withdrawals and taxes on all my other accounts add up to more than my total required minimum distributions. I don' t want to be flagged and audited because I did not enter that account's RMD.

Thank you

Re: Required Minimum distribution

SharonD007 — Tue, 17 Feb 2026 20:30:11 GMT

Yes, you do need to report your RMD on your tax return. The account owner is taxed at his/her income tax rate on the amount of the withdrawn RMD but if the RMD is a qualified distribution from a Roth IRA, it is tax free. Also, any part that was already taxed is tax free (to the extent the RMD is a return of basis). You should have received a 1099R for your distribution from your financial institution.

Contact your financial institution regarding your missing 1099-R. Review IRS topic What to do if I do not receive my W2 or 1099R?

Your RMD is reported on your Form 5498 not your Form 1099-R. You would have received it last year. If you haven't received your Form 5498, contact your plan administrator.

For more information, please refer to the IRS FAQs Retirement Plan and IRA Required Minimum Distributions FAQs. You can also review the TurboTax articles What is an RMD? and Why don't I have an RMD listed on my 1099-R?

topic Required Minimum distribution in Get your taxes done using TurboTax

Required Minimum distribution

Re: Required Minimum distribution