2024 spouse with multiple IRAs took total RMD from only one (so only one 1099R received) - software only offers data entry for primary

[LAT3]

Married filing joint, primary has one IRA with RMD taken, spouse has 2 IRAS but withdrew total amount of RMD required for both accounts from only one of the IRAs, so only received 1099R for the one which had withdrawals.  When stepping through entries the primary filer is given the option to add data for another account which had a RMD not taken (not exactly this case, but might be how it would be entered?) but the spouse is not given the same question. The page reads: "Did XXX miss a required distribution from any retirement accounts?"  if yes, the following page asks for the amount not taken.  

So it seems there is no place to enter the additional RMD amount expected to have been taken from the other account without 1099R.

Should I create a 'fake' 1099R for the account with $0 withdrawal?

[DanaB27]

No to not enter a fake 1099-R. 

I cannot recreate the issue and get the "Did You Miss a Required Distribution From Any Retirement Accounts?" screen for primary and spouse. Are you using TurboTax Desktop or TurboTax Online?

Please verify that the 1099-R is assigned to your spouse. To clarify, your spouse gets the RMD questions for the Form 1099-R entered?

Generally, if your spouse met all of her RMD for 2024 then you do not need to file Form 5329. TurboTax will enter the information in the "Additional Retirement Account Smartsheet" to check that you met the RMD but this will not be sent to the IRS. Therefore, if your spouse doesn't show a penalty on Form 5329 then it should be ok.

[LAT3]

I’m using desktop TurboTax premier.

I checked again this morning and still do not get the page to enter spouse ‘did you miss…’

All received 1099Rs have been entered (both primary and spouse), just the $0 withdrawal, with no 1099R, can’t be entered.

Total RMD required for the year (calculated from both IRAs) was taken from one IRA account, $0 from the other, so no 1099R was received for the 2nd IRA (vgd). Total 2024 RMD tax obligation was met. But is not reflected in the data TurboTax has.

i tried entering a fake number in my husbands ‘did you miss’ form, then found the form it showed up in, 5329T - thinking I could change the info on the form to be spouse/mine, but that didn’t work. (his is the primary tax id, I’m the spouse who always does the taxes)

I know Vanguard will be sending their RMD info to the IRS, which will seem to show I didn’t do the withdrawal, but the total withdrawn on my part of our tax filing will be correct, so maybe it’ll be ok —- but I’d sure hate to get flagged for this.

I have changed RMD withdrawals to be from both accounts for 2025 to avoid this in the future

[DanaB27]

As long as you met the RMD for 2024 it should be fine. But since you are using TurboTax Desktop you could enter it in forms mode. 

1. Pull up 5329-S and scroll down to part IX
2. In the Additional Retirement Account Smart Worksheet under Non-inherited IRA, Additional enter the RMD from the IRA you didn't make any withdrawals.  

This is an example of a $5,000 distribution from one IRA-a which had a $2,000 RMD, another IRA-b had a $3,000 RMD but nothing was withdrawn from this IRA-b because it was covered by the other IRA-a.

Note, this Smart Worksheet does not get sent to the IRS.