You say that you retired quite a few years ago? First, I would NEVER let that ACS outfit continue to manage my retirement account if I had other options, and You clearly do. If you are 70 1/2, they may have sent you a MRD, which may have been partially from Ford stock liquidation. In addition there is a new Obamacare tax on investment and dividend income which they may have been kind enough to withhold on your distribution. Hope and Change!