Due to an error on my part, I failed to take all of the RMD from my IRA. I sold the required shares, but deposited the funds back into my retirement account instead of to my non-retirement account. In good faith, I thought I had taken all of the RMD for 2023. I need to submit a letter of explanation to ask for a waiver of penalty from IRS. Do I need mail form 5329 (instead of e-file) when a letter is attached to it?
