I inherited IRAs from my father. Even though I am under 72 years of age, I was required to take an RMD in 2020 and 2021. My investment company made an error by failing to distribute my 2020 RMD in 2020. Therefore, I had to receive both 2020 and 2021 RMD in 2021. Will I incur a penalty when I file my 2021 taxes for not claiming the 2020 RMD in 2020 due to my investment company’s error? Also would I have to amend my 2020 return to reflect the 2020 RMD OR do I claim the 2020 and the 2021 RMDs on my 2021 return since that is the year I received the funds?
