The first year that RMDs are required the taxpayer has until April 1 of the year following the year they turn 73 to take the distribution. How do you account for this in ProSeries, they ask for the 2024 RMD amount but insists as treating any shortfall as undistributed RMDs.
Doubling up could make a difference in their Medicare premiums, too, if it pushes them into the next rate level. And even for low-income taxpayers, it could mean paying tax on more of their Social Security.
There may be cases where waiting may be smart, but I haven't seen any.
