I have a client that received his RMD from 29 different funds in the same Mutual Fund Company.  Each fund reports the amount distributed and the federal income tax withheld.  All are separate lines on the same Form 1099-R.

I get the following Critical Diagnostic:

Per IRS  electronic filing specifications, returns with more than 25 other withholdings cannot be electronically filed.  This return must be filed as a conventional paper return.

Any ideas as to a way around this?  I wondered if I could just enter the totals as one 1099-R since it's the same payer, same EIN and same address.   I could then attach the 1099-R as a pdf attachment.