One of my inherited accounts failed to send me my RMD because the automated system lost my automatic withdrawal rule for the year 2024 (the first time in 9 years). The person I inherited the IRA from passed away in 2015 so the 10 year rule does not apply to me. I am going to take the RMD right away and plan to file form 5329 with a request to waive the penalty. My question is: Do I amend my 2024 tax return that was already sent and paid, or do I file the 5329 form with my taxes for 2025 that I will submit in 2026?
