I am using the following explanation to request a missed RMD waiver. Wondering what my chances are and if I should be including anything else. Help greatly appreciated. ??? used to remove confidential information.
This is ????'s son, I take care of her finances and taxes (she is 83).
There were a couple of issues causing me to miss her RMD. First off was
that we had virtually all family members (including myself) with Covid
symptoms and I was frantically calling around to get rapid and PCR tests
but the omicron outbreak made them very hard to find. Second was that my
daughter was rear-ended on Dec 23rd and I was dealing with the insurance
companies. I didn't remember until 1/4/22 and immediately withdrew the
remaining $??,??? (on that day). I didn't due it earlier in the year
as my mother makes charitable contributions from her IRA and I have to
wait till late in the year so I have an accurate remaining RMD. I've set
a recurring calendar notice for 12/26 so that I don't make the same error
again. We greatly appreciate your consideration to wave the tax penalty
for my mother based on my error. Her 2022 withdraw will include the RMD
from 2022 and the $??,??? missed for 2021. We have never missed her
RMD before.
