I am in a similar situation I think as I help my parents (80+ years old so not their first RMD) file their 2024 taxes. In 2023, they forgot to take their RMD. In Feb 2024 as they did their 2023 taxes, they withdrew their 2023 RMDs, but then also made up a 1099R for the RMD as well as filled out a 5329 for their 2023 taxes. Around Nov/Dec 2024, they then took out their 2024 RMD. But Wells Fargo only gave them one 1099R which totals both together and it all looks like a 2024 withdrawal
So I think I have to file an amended 2023 return to remove the "fake" 2023 1099R - does that sound right? And Wells Fargo is saying they will not send a corrected or properly coded 2024 1099R and that we should just attach the 5329 as explanation
