Thank you for your help with this. With SoFi, you just had to request the $6000 as excess for the previous year and they just gave me $6000 in my money account. There was no calculation. SoFi isn't the best when it comes to some of these transactions. Even asking their financial advisors any questions and they constantly just told me to contact my tax advisor. So that's why I'm in this forum. I will contact them tomorrow to see what they say.
