To generate a Form 5329 using TurboTax Online without having received Form 1099-R, do the following:
- Go to Wages & Income and select, Retirement Plans and Social Security, 1099-R...
- Select, IRA, 401(k), Pension Plan Withdrawals (1099-R), then Start
- Here, you will select Add a 1099-R, but will enter $0.00 in Box 1 and Box 2a since this is only to trigger the RMD interview, Continue
- Use Distribution Code 7
- Leave the IRA/SEP/SIMPLE box unchecked
- Click Continue through the interview, answering through next screens
- Select Qualified plan, then Continue
- Select "None of the above" in the Do any of these situations apply to you? screen, then Continue
- Select, "No, it's another type of qualified retirement plan", then Continue
- When you reach, "Let's get more information about your Required Minimum Distribution (RMD)", enter the amount of your RMD that was due by December 31, 2025 Continue
- On the next screen, "How much of this distribution applied to your December 31, 2025 RMD?",
- Select "None of the distribution applied...", Continue
- Next, you will be asked, "Did you take out the remaining $ during the correction window?", Select, "No, I did not", Continue
- Select No on the Annuity information screen, then Continue
- When you reach, "Review your 1099-R summary", Continue (not the pencil)
- When you reach, "Let's go over any required minimum distributions (RMD)”, Select the pencil
- Next, you will see, "Did you miss taking the...RMD...?", Select "Yes", Continue
- Enter the amount of the RMD when you reach, "Tell us the Total RMD...", Continue
- Select "Yes", when asked, "Did you take a corrective distribution...?", Continue
- "Do you want to request a waiver?", select, "Yes", since you met the correction day for the remainder, Continue
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