Hi MarilynG1, I have this same problem and what you are describing of how TT will cover this in the Interview section regarding RMDs is not my experience. If you unfortunately did not make your required RMD by 12/31/25, you will not have a 1099-R to add into TT Desktop 2025 via the EasyStep interview option. Other 1099-R's you may have will not address the fact you need to include form 5329. The interview does not ask you - were you late taking an RMD - if so we'll add form 5329 to your return and ask if you have a reasonable cause for missing your RMD. I have been able to go to forms and with doing more homework determine how 5329 in detail needs to be completed (thanks to non-TurboTax online resources). The problem is the text explanation you need to include to request the waiver from the late RMD penalty. I can add the text explanation on the zoomed worksheet from form 5329 (that worked for me and TT saved my text) and that separate worksheet form for 5329 shows up in my list of forms for my 2025 TT return. However, when I get ready to efile, it does NOT show up in the list of forms included in the PDF printout before you efile which indicates these are all the forms being sent via efile to the IRS Fed and State. I have no assurance TT is actually including the necessary 5329 explanation text required to avoid the penalty for having a late RMD in 2025. It shows up in my form list just as I wrote the explanation, but is not included in the PDF. Can you confirm or assure us it's going to be part of the efile package when I submit this return? I also agree with one of the other users who shared its not reasonable to have efile costs covered (Fed included then paying again for State) and then have to supplement that filing mechanism with a separate physical mailing to the IRS (for your form 5329 or perhaps just the reasonable cause letter asking for a waiver for the RMD penally).
