@Just-Lisa-Now- 👍 I agree with you Lisa. Also I believe that they are not required to withhold income tax from an IRA distribution, but they are required to withhold from company pensions and so forth. This year I had a client that took out well over $50,000 from his IRA, and they only withheld $1,000 in federal income tax. So I told him he should have had more tax taken out.