I am well aware of the change to RMDs for inherited IRAs proposed by the IRS (i.e., that non-eligible designated beneficiaries need to take RMDs during years 1-9 of the 10 period beginning the year after the IRA owner’s death if the decedent had passed on or after their required beginning date). I, along with many other people and professional financial organizations, submitted comments on the proposed rules that stated that the IRS was misinterpreting the law. That said, while I know that the proposed rules are technically in effect, the IRS also waived the penalties for not taking these RMDs in 2021 and 2022. I will obviously will wait until much later in the year before taking the RMD to hopefully get clarification, but what do you think is the chance that the IRS waives the penalty again for 2023 or actually finalizes the rules one way or another? What are financial organizations and planners advising in the meantime?