My mother passed on 2/29/12. At the end of 2017 I found out that i needed to eventually do something with the money and I heard about the 5 year rule. In attempt to get it rolled over I rushed to have it processed but was told that the money would not be forced out of the account at the end of the 5 years and I could roll it over the following year 2018 and take my RMDs as well as workout any penalties with the IRS. As I decided to move forward with this rollover in December 2018 I was denied the trustee to trustee rollover because they said I missed the 5 year rule after i was told previously that i would be able to roll it over. What are my options?