I filed for an extension for my 2024 return. I was preparing to finalize the return only t o be surprised that my return now includes Form 5329 - showing that I did not take the full RMD for 2024. I did not prepare this form because my RMD is actually distributed by Fidelity and Vanguard . They inform me as to what my RMD is for each year and make the distributions accordingly. Form 5329 now incorrectly shows as undistributed RMD of $25,039 and a penalty of $6,260.
I called the IRS for clarification only to be told that since the 2024 return has not been filed, they could not respond. At this point I plan to file the return with the erroneous Form 5329 then follow-up with an amended return. Do you have a better solution?
