I agree that the way that 2025 TurboTax will handle RMDs is likely to be different than in 2024 TurboTax. However, I think that it is unlikely that 2025 TurboTax will calculate the RMD required of a particular account, the same as before, but will require you to tell TurboTax the amount of RMD required, then will simply compare what you enter to the amount of distribution being reported. There could be some changes to the way that IRA aggregation is handled, but there will always be a way to give TurboTax entries that prevent TurboTax from preparing Form 5329 when there is actually been no excess accumulation in the IRAs.
