If you did not take your RMD and would like to request a waiver via Form 5329 in TurboTax, do the following:
- Return to your 1099-R entries by clicking Review to the right of IRA, 401(k), Pension Plan Withdrawals (1099-R) in the Federal Wages & Income
- Click on the pencil to the right of the 1099-R
- Click Continue through the entries you've made, Continue, answering through next screens
- 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 (but did not take), Continue
- On the next screen, "How much of this distribution applied to your December 31, 2025 RMD?"
- Select "None of this distribution applied...", Continue
- Next, you will be asked, "Did you take out the remaining $189 during the correction window?", Select, "No, I did not", 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 (that you should have taken) when you reach, "Tell us the Total RMD...", Continue
- Select "No", when asked, "Did you take a corrective distribution...?", Continue
- Do you want to request a waiver, select, "Yes", Continue
- Next, enter the amount of your RMD for which you are requesting the waiver, Continue
- Next, enter an explanation, Continue
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