Form 5329 being required in TurboTax

[Bogreaves]

Both my wife and I have IRAs and are past 72 years old. In 2020, I received distributions from an annuity that was a qualified retirement account; this totaled about 30% of that my RMD would have been. My wife made qualified charitable donations from her IRA; this totaled about 50% of what would have been her RMD. But the requirement to take your RMD has been waived for 2020. Why is TurboTax requiring in Smart Check that I complete a Form 5329 to explain what reasonable error I made to not remove my full RMD? Do I need to complete this?

[macuser_22]

Delete the 1099-R you entered and re-enter.

Answer the RMD question that "None of this distribution was a RMD" or "RMD not required" depending on the TurboTax version - because it was NOT a RMD, there were no 2020 RMD's.

[Bogreaves]

Thank you.  I deleted the 1099-R, re-entered it, and answered in both places when asked, that I was not required to withdraw RMD.  But still, when I get to the end and run the Smart Check, an error is flagged, and I am prompted to complete Form 5329, explaining what reasonable error led me to not take my full minimum required distribution. Do I need to complete that?

[macuser_22]

No.   It shouldn't be there.    Delete the 1099-R.

If you are using the online version delete the 5329 if it is there after deleting the 1099-R.

https://ttlc.intuit.com/community/accessing/help/how-do-i-view-and-delete-forms-in-turbotax-online/0...

Be sure to answer the SECOND RMD question that comes near the end of the interview that RMD not required.   It is that question that created the 5329.