My elderly mother forgot to do her 2023 RMD and by the time I found out it was late December 2023. I tried but Vanguard's site constantly errored out, it took 2-3 days of attempts and I finally got the RMD to go through, but posted Jan 2, 2024. So I bought TurboTax Desktop and did her 2023 taxes, including a 5329, her taxes were zero since her income was so low. I made sure her 2024 RMD was done on time and now her Vanguard 2024 1099-R is about double what it should have been if Vanguard's site worked.
How do I handle two RMD's hitting in 2024?
Do I do something else or another 5329 because she had two RMD's in 2024?
So far she now has a big tax due from extra income thanks to Vanguard blowing her income past the standard deduction. I want to lower her tax bill to what it should be.
Thanks
