The term you mean is waiver. You can request a waiver. There should be a place to enter a reason.

When people forgot to take RMDs, the waiver request was always granted. 

I have no experience with this situation. What's going to be your reason? I don't think "No one ever told me  to avoid MFS" is not going to cut it. Is this a financial advisor's responsibility? They are not supposed to give tax advice, are they? And why does this matter? Income limitations?