I have a new client who set up RMDs.  I asked for TY 2019.  She had not received one from the Fund for TY 2019 nor for TY2018.  She had asked for the check to be sent to her address.  The company did not tell her they did no operate that way, they only did direct deposit.

I had her ask the company to cut 2 checks, one for TY 2018 RMD amt, and one for TY 2019 RMD.  This was in late April 2020.

Is there a way I can back date the RMD for those tax years,  or should I just submit it for TY 2020?

Thanks