Be very careful. Check with the financial institution and see if you met RMD for each plan. If you did not and the IRS catches it the penalty is 50% of what the RMD was. When you are at retirement age, it is smart to have RMD automatically deducted each year. If for example, your RMD is $5000, the penalty for missing it would be $2500.
Contact your financial institution. If you did not meet the requirement get it taken care of now. File a form 5329 and ask for forgiveness of the penalty. The IRS may waive all or part of the penalty. Computers are catching more and more things like this. Don't let it slide. Get it resolved.
