This for my mothers return. The RMD process was initiated the last day 2024, the financial institution stated the process was completed on this day . I had assumed that the RMD would be distributed in 2024 however, it occurred on Jan 2 2025. As a result a 2024 1099R was not issued. What would we my best action to avoid the penalties ? If requesting a waiver, what should be stated, any supporting documents and how is this handled with e-filing and New Jersey paper filing. TY
