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After you file
You can file an amended Turbo Tax return and include the pension on the 8938 and report it as a Foreign Financial Asset. This won't generate a tax due for now but the IRS may contact you shortly. When it asks why you are amending, be specific in your answer.
For filing an amended FBAR, follow the procedures that are in this link. Look on page two of this pdf regarding instructions for filing an amended FBAR. You would report all FBAR filings here.
According to this information in this IRS website, it does say to file amended returns for the most recent U.S. tax return due date (or properly applied for extended due date) has passed, it says to include forms 8938. The other the forms are not applicable to you. It mentions to include these forms even though these forms would have not been submitted in a properly submitted tax return. We are talking about years 2020 & 2021. Keep in mind, if you didn't file a US return originally in 2020-2021, then you would not file an amended return.
All these amended returns will need to be paper-filed and you would include a 14654. There is a mailing address at the end of the website. here is is a link within the website link I provided that will provide a downloaded copy.
It does mention to submit a tax due amount in the returns but I doubt if a tax due will be assessed in your amended 2022 return for not reporting the 8938. The IRS can impose a penalty for $10,000 for not reporting this but may waive the penalty if the omission was not willful misconduct. There is a miscellaneous offshore penalty that needs to be submitted, which is 5% of the highest balance your pension accumulated during the year. That payment needs to be submitted with your return as per IRS instructions.
In retrospect, follow the procedures very closely that is outlined in the IRS website listed above. Also, include a detailed statement on why you did not report this asset. The IRS likes details and such a statement will be favorable in your case. Here is an additional resource for you that may provide additional information. In your statement, stress the fact that 2022 was the only year you did not report your RRSP as a foreign financial asset and you are including 2020-2021 returns because of the IRS instructions, which are not really clear.
I hope I have given you enough information. There is a lot to digest and you may need to seek guidance from a CPA if this is overwhelming. You have a lot at stake here to consider and you need the assurance that everything is done correctly.
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