wow that will really be awful for 2023 then.  SO you say to not calculate, or list the additional taxes owed.  Just fill out waiver indicating what steps have been taken to correct this issue and what ones are in place to avoid this issue in the future?

The letters this client may receive may send her over the deep end.....  Okay I got it filled out and entered the statements.  Hopefully they realize she's 80, doesn't drive, and now we not only can communicate with financial advisor we set up these distributions to occur each year at same time with taxes withheld.  Hopefully that will prevent this issue in the future.  Thanks for your feedback and information....