Thank you–I am going to try the form you suggested!
In prior years, I have taken out more than the required amount but didn’t need to do so this year so it slipped my mind. I have been on the fence about cashing it out. It’s complicated because of family (isn’t everything?). Since inheriting it 18 years ago, in addition to taking some out for me, I have used it as a fund to help me bail out my sister and brother since my parents weren’t here to do it (kind of treating it as money they would have used to help us out if they had still been alive). My brother passed away a few years ago and my sister is more financially secure so haven’t had to rely on it as much. Given my income, cashing it out would bump me up a tax bracket so I think I am going to leave it in there for now.