Thank you for following up on your initial post, and correcting it. The 12% penalty is very unfortunate, but it does make more sense with what the software was generating based on my responses. I will file the amended 2024, wait for confirmation of receipt, and then follow up with 2025 - each year now with the attached 5329 and associated 6% penalty. At least the bleeding has been stopped, and the filings should put it to bed, until minor housekeeping next year, with the 1099-R and earnings.
Thank you again.
