Thanks to both Macuser_22 and dmertz for your responses. I've assumed that I needed to provide
1) Form 5329 for each year
2) Provide a letter explaining the reason for the oversight (waiver request), and
3) Pay the tax amount I should have paid for each RMD
I looked at a YouTube https://www.youtube.com/watch?v=SRTkx_C6LoE
At 3:27, the presenter lists steps - the final step on her white board lists: "Pay any tax that would be due on the RMD along with the 5329. Do NOT pay the penalty."
I'm guessing that you both think this is incorrect information and that I wait to pay this RMD when I file my 2020 taxes. Am I correct in that I complete steps 1) and 2) and that's it?
Thanks so much.
