with multiple years involved it's best to use a pro. to give you an idea of what you'll probably have to do is to take all missed RMDs immediately. file amended returns for every year the RMD was missed and include form 5329, requesting abatement of the penalties. you'll have to explain the reason they were missed and include a statement that the missed RMDs have been taken. then cross your fingers and hope the IRS does abate the penalties which can be 50% of the amount that was not timely distributed.
