Looking for advice; can I accomplish this on my own? Or do I need to scramble for a tax expert?

I know it’s incredibly late in the season to be posting this. Here’s my tale;

In Aug 2020, my grandfather passed and left me part of his IRA. At the time, the “new laws” seemed to imply that no RMDs were required, only that the account be drawn down to 0$ by 10 years.

I’ve been paranoid about this, and will occasionally google that fact.

Well, in Jan 2026, I google this again, and it turns out there’s a NEW law. I was supposed to be taking RMDs, but the wording was ambiguous and they’re forgiving RMDs from 2020-2024.

However, it wasn’t until Jan 2026 I took the RMDs I was supposed to take for 2025, because I had no idea the law was clarified. I literally took them as soon as I found out. I wish I’d bother to google this before 2026 started.

So, now, according to AI I need to file a “Form 5329” for this late RMD. I may also need a letter to accompany that form? Potentially also another form for the 2020-2024 forgiveness? I honestly don’t know. The more I read the less clear it becomes.

As soon as I learned this, I reached out to 5 different CPA specialists in NYC. I wasn’t able to make contact with any of them. I’ve asked friends and coworkers for tax expert referrals, but they all either use TurboTax, or they’re not taking on new clients.

Is this something I can reasonably do myself with FreeTaxUSA (what I’ve previously used)? Should I surrender to H&R Block? Can TurboTax pro actually help me here?

I’m married, no kids, no property.

Any advice is welcome, thanks.