I called the IRS and they advised me to report the missed RMD withdrawals (supposed to be withdrawn in 2023 and not withdrawn until 2024) right away on my 1040 2023 tax form even though the 2024 1099-R was not generated yet. This is not the advice you gave me. You are asking me to amend the 2023 tax form and remove any RMD amounts that were properly reported for the tax year 2023 and then put them on the 2024 1040 because the 2024 1099-R shows those amounts. I thought if I explain this in writing when I do my 2024 1040, the IRS will see that all income has been reported. I can explain in detail how a portion of the total RMD on the 2024 1099-R was reported on the 2023 1040 and a portion of that total was reported on the 2024 1040. Both RMD amounts total the RMD amount on the 2024 1099-R. Please advise.
