TurboTax is calculating RMD for spouse who is not 73 and assessing penalty

[ReneV4]

When entering your Form 1099-R information, on the "Enter your 1099-R provider's info" screen, you must indicate "This 1099-R belongs to" and then click the down arrow to select the taxpayer. If that is not done, TurboTax may combine the 1099-R information. 

First, since an incorrect penalty was triggered, it is highly recommended that you delete your current 1099-R entries and the incorrect penalty Form 5329 to refresh the data:

1.  Go to Tax Tools on the right hand panel inside of TurboTax
2. Click on the down arrow and scroll down to Tools
3. Click on Tools and select Delete a form from the menu items that appear in the Tool Center
4. Click on the trash can icon to the right of the Form 1099-R you would like to delete, then delete Form 5329

Next, re-enter the Form 1099-Rs following the steps below:

1. Go to Income on the left panel within your TurboTax account
2. Click on the Review to the right of IRA, 401(k), Pension Plan Withdrawals (1099-R)
3. Click on the +Add a 1099-R 
4. Continue through the questions until you reach, "Enter your 1099-R provider's info"
5. Select your name from the drop down menu on the "This 1099-R belongs to" box (first box on top)
6. Enter the information from the original Form 1099-R that you received

When entering your Form 1099-R information, if RMDs apply to your Form 1099-Rs, follow these steps to indicate you took your RMD:

1. Return to Income, then click the down arrow to the right of Retirement Plans and Social Security
2. Select IRA, 401(k), Pension Plan Withdrawals (1099-R) in the Federal Income section
3. Click on +Add a 1099-R and input the 1099-R from which you took your entire RMD
4. Click Continue as you complete the interview entries
5. "Let's get more information about your Required Minimum Distribution (RMD)", enter the amount of your RMD (no extras) that was due by December 31, 2025, Continue
6. On the next screen, "How much of this distribution applied to your December 31, 2025 RMD?", enter your RMD (no extras) that you entered in the prior screen, Continue
7. When you reach, "Review your 1099-R summary, Continue (not the pencil)
8. When you reach, "Let's go over any required minimum distributions (RMD)", Continue (not the pencil)

If one of your Form 1099-R distributions covers all RMDs for 2025, you can enter the full amount of the RMDs (no extras) in the first Form 1099-R distribution above and then skip the second Form 1099-R questions about RMD by entering zero (0) at step 4 above and just Continue through the remaining questions. If asked, "Did you miss your RMD?", answer "No".

[VolvoGirl]

What code is in box 7 on the 1099R?  Did she inherit this account from someone?  And double check her birthdate under My Info.