I missed taking an IRA distribution in 2022 because the mutual fund (Vanguard) changed accounts and lost my instructions for an automatic distribution in December. I realized the error at the very end of December and had them take the distribution on January 4th. I called the IRS and was told to include a letter with my return and the penalty most likely would be waived. I saw that TurboTax has a place for an explanation and I filled that out. My question is: Do I still need to send a letter with my return? That will make a difference whether I file electronically or mail it in.
