Yup, 30 min phone button pushing automated 'resolution' call, I will get 'their' version in 5 days. Don't pay attention to back/institutions to follow actual rules. 401k wasn't supposed to get rmd (hers - cashed mine out yrs ago - get better return elsewhere) for corona years but they did anyway. Also supposed to be able to make charitable contributions direct from bank to charity and not get taxed. Nope! Nobody follows the rules. Yet we are supposed to follow them. You also have to watch them on RMDs, if you extend the annuity payout to 99 yrs.
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