BobKamman
Level 15
10-08-2021
03:13 PM
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The penalty for filing MFS (85% of Social Security becomes taxable) may be greater than the penalty for not taking RMD's. IRS has procedures for signing returns for an incompetent person.
@IRonMaN has the right answers on using Form 5329. Do they have grandchildren? One of them can probably set up online access to the Schwab account and make the problem go away.