"File early as you normally would and at least secure a place in line for when refunds will be issued. Don't wait until things get back to normal," Ed Slott, a certified public accountant who founded IRAHelp.com, told Business Insider. "That would only further delay your refund."
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If you use a financial adviser or accountant, understand that even they might not be up to speed on the best IRA tax strategies. It pays to educate yourself, and one of the best resources is Ed Slott (IRAhelp.com). In many of his articles, he points out aspects of the IRA tax code that are known by very few IRA investors. Here are some of these regulations that you should be aware of.