Have you considered restructuring the LLC ownership? Maybe you could split it into two classes of membership interests with different distribution rights? That way, the inherited SDIRA could take distributions to satisfy RMDs while the traditional IRA maintains its undisturbed interest.

I went through a very similar situation with my inherited SDIRA that held commercial real estate through an LLC structure. My custodian initially gave me the same confusing guidance about both accounts needing distributions. What ultimately resolved it for me was getting a second opinion from a fee-only financial advisor who specializes in self-directed IRAs. They explained that custodians often take overly conservative interpretations to avoid liability, but the actual IRS regulations don't require what mine was saying. The key insight was that each IRA maintains its separate tax identity even when they co-own assets through an LLC. The inherited SDIRA has RMD requirements, but that doesn't automatically trigger distribution requirements for your traditional IRA just because they share ownership. I ended up having the LLC make a special distribution to only the inherited SDIRA to satisfy the RMD requirement. This required amending the LLC operating agreement to allow for disproportionate distributions, but it solved the problem without forcing my traditional IRA to take an early distribution. Before making any moves though, I'd strongly recommend getting documentation from a qualified professional about the correct interpretation of the rules. Custodians will often change their position when presented with proper legal authority, but they won't budge on verbal explanations alone.

For whatever its worth, I just got my refund yesterday after exactly 23 days (filed Feb 3, got refund Feb 26). No special credits or anything complex on mine tho. Direct deposit.

I'm in a similar boat - filed on February 15th and still waiting after 20 days. The "Where's My Refund" tool has been stuck on "processing" the entire time with no updates. Reading through these comments has been really helpful though! Based on what others are sharing, it sounds like 21+ days is becoming more normal this year due to increased fraud prevention measures. I'm going to wait until I hit the 21-day mark before I start worrying too much. For those dealing with longer delays, the suggestions about checking your tax transcript for specific codes and using services to get through to the IRS seem like good options if you're past the normal timeframe. Thanks everyone for sharing your experiences - makes me feel less alone in this waiting game!

To all those having trouble reaching a human at IRS. I just ran across this video that gave me a shortcut to reach a human. Hope it helps! https://youtu.be/_kiP6q8DX5c

I'm in a similar situation - received my CP12 notice in early March and still waiting on the refund. From what I've read, the IRS is experiencing significant processing delays this year. The 4-6 week timeframe they mention is more of a general guideline rather than a guarantee. I'd recommend checking your tax transcript online at irs.gov to see if there are any updates on your refund status. If it's been over 6 weeks since you received the CP12, you might want to call the IRS refund hotline, though be prepared for long wait times. Hang in there - these refunds do eventually come through!

This happens more often than you'd think. Unlike at the DMV where policies are fairly standardized, IRS office experiences can vary dramatically depending on location, staffing, and even time of day. I've seen people get verified with returns from 2020 during the pandemic extensions, while others get rejected trying to use a perfectly valid 2022 return. If your local office gives you trouble, sometimes the offices in smaller towns have more flexibility compared to busy urban centers.

This is so frustrating but not surprising. I've been dealing with a similar situation where my 2023 return has been stuck in processing limbo for months due to an error they made on their end. I'm planning to go to my local TAC next week and now I feel more confident bringing my 2022 return after reading everyone's experiences here. It's ridiculous that we have to become experts on their own internal policies just to get basic services, but I'm definitely printing out that Internal Revenue Manual section that @Layla Sanders mentioned. Has anyone had luck calling ahead to confirm which documents a specific office will accept? I'd rather not waste another day off work if I can help it.

Pro tip: if u get on an income based repayment plan BEFORE filing taxes they usually won't offset. Worked for me last year!

Been through this nightmare myself last year. Yes, DOE offsets are definitely happening in 2024 - they resumed in October 2023 after the COVID pause ended. I had my entire refund taken except for the refundable portions like CTC and EITC. The key is to act FAST if you want to avoid it. Call the Federal Student Aid contact center at 1-800-621-3115 immediately to discuss rehabilitation or consolidation options. Even if you're already in the offset process, getting into a payment plan can sometimes stop future offsets. Don't wait - tax season moves quick and once that refund is gone, it's gone!