John, thank you for your prompt reply, but I'm still a bit confused. I turned 72 in Sept., 2021. I set up my RMD for both IRA #1 and IRA#2 for the end of Dec. 2021. The RMD for IRA#1 took place in Dec., and I have a 1099R for that withdrawal. No problem with that one. However, the RMD for IRA#2 did not occur until Jan. 4th, 2022 due to a misunderstanding with my broker, therefore I did not receive a 1099R for that RMD. If the 2021 RMD for IRA#2 isn't reported until I file my 2022 taxes, will I be penalized? Also, If I am reading the new IRS rules correctly, in addition to the Jan. 4th RMD from IRA#2 this year, I will also need to make a second RMD from IRA#2, as well as an RMD from IRA#1 prior to Dec. 31, 2022. Am I reading that correctly?
