Both spouses had IRA RMD's. Wife RMD under withheld. no remedy for wife shows. Thomas is offered a remedy but Cynthia not offered remedy. How get to Cynthia RMD remedy.

[tomcin01]

After both forms filled software asks additional questions. Thomas offered RMD met but Cindy not offered RMD shortfall question or remedy leading to form 5329?

[tomcin01]

After 1099R forms filled turbo tax ask additional questions. Thomas offered RMD met question but Cynthia not offered RMD met question or lead to remedy Form 5329.

[tomcin01]

Maybe this feature not available Free addition?

[tomcin01]

Interview question:  Thomas did not receive all the RMD for 2018.  Interview never asks about Cindy Shortfall (beneficiary account) if her IRA received all the RMD 2018.? Cindy needs access to remedy and access to Form 5329 but can't get there.

[dmertz]

Did Cynthia receive any Forms 1099-R?  If so, when entering them make sure that you've indicated to TurboTax that they are Cynthia's, not yours.

If Cynthia did not receive any Form 1099-R, it's difficult to get TurboTax to prepare a Form 5329 for her.

[tomcin01]

Married file Joint. Can I put Cynthia's Shortfall information under Thomas name which appears OK when click Short fall RMD question for Thomas? Will this cause IRS confusion.  There is $1000 tax penalty at stake. I want this waiver to work OK. IRS view married joint status as single tax entity?

[dmertz]

No, you cannot put Cynthia's shortfall under Thomas' name.  Forms 5329 are individual tax forms, not joint tax forms, so putting it on Thomas' Form 5329 will not give to Cynthia the waiver.

If you cannot get TurboTax to prepare a Form 5329 requesting a waiver for Cynthia because Cynthia received no Forms 1099-R, simplest would be to prepare one manually and include it with your paper tax return filed by mail.

[tomcin01]

Cynthia has 1099 Form information entered  but turbo tax not ask her Interview question did she receive all RMD. How get there for her?

[dmertz]

Was Cynthia age 70½ or over in 2018 or was the RMD instead required because the retirement account an inherited account?

[tomcin01]

inherited account

[tomcin01]

Will 5329 and explanation show in print preview after changing birthday back

[tomcin01]

Thanks for clear answer and recommendations.  Best regards Tom

[dmertz]

It appears that TurboTax fails to include spouse's explanation statement under any circumstances, even when spouse is over age 70½.  I'm going to report this as a bug.  Given this, even if you use the workaround to get TurboTax to prepare Cynthia's Form 5329, I would file by mail so that you can make sure that Cynthia's explanation is included.

[tomcin01]

QuickZoom to the waiver explanation statement. QuickZoom on print preview not active.  Is there a way to see the statement on print preview or other access.