My wife inherited Traditional IRA when her mother (dob 03/1933) passed away on 08/2014 (81 yrs at the time). My wife was 51 yrs at the time on 08/2014 and had been receiving RMDs since then. For some reason, the bank did not send an RMD during 2023. We are trying to find out why. Is there a penalty and who is responsible for the penalty? Does this IRA fall under the 10 yr. rule since it looks like it would be this year 2024? Can it be rolled over or have to withdraw it? Would the withdrawal be taxed at our current tax rate? Thank you
