I am POA for my 82 year old mother, I took over her finances in 2019. She has a simple IRA that is made up of 5 different funds but when she set it up, only asked for them to take her automatically distributed RMD from one of the 5 funds. Unbeknownst to me, that one fund depleted in 2021 so no RMD was made (and no notice was sent that said "we can't make your RMD because the fund has been depleted" so they just didn't make one, UGH!). I caught this issue in Feb 2025 and contacted the IRA folks and fixed it. I took a makeup RMD for 2021-2024 in Feb. 2025 and then asked for the RMD to be split from now on from all 5 funds. She then had her automatically distributed RMD for 2025 in July. So a total of two distributions in 2025: one for 2021-24 and one for 2025. Her 1099R only lists the total amounts of the two.
When doing her 2025 taxes, after I put in the totals in from the1099R, my TurboTax (software, not online) asks me how much of the distribution was required to be distributed by Dec 31, 2025. Is this only the amount she received in July for 2025? (ie. don't include the amount from Feb that was for 2021-2024?) Or should this be the amount of both the makeup RMD and the 2025 RMD?
It then asks me how much of the distribution was applied to the RMD for Dec 31, 2025. Do I say all of it or some of it? If I put in the 2025 amount, where do I put the amount for 2021-2024?
I've tried inputting the numbers multiple ways and at no time does TurboTax prompt me to ask how much was for 2021-2024 so I can beg for a waiver of penalties due to user error of being an uneducated POA. I'd be grateful for any help you can throw my way!
