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I am following up to the earlier question I asked and your response.

Unfortunately, I was not aware of the "obscure" rule.  In February, 2022 I made contribution of $7000 to my traditional IRA.  A week later I converted the $7000 into my Roth IRA leaving a balance in the traditional IRA of zero. (I have been doing this contribution, conversion scheme for many years.)  Schwab sent me 1099-R for the $7000 distribution from the traditional IRA with the box indicating the taxable amount was unknown.

Unfortunately, lacking the knowledge that RMD had to be taken before conversion, I took my 2022 RMD in November 2022.  (I retired in May, 2022).  

I think the February conversion will be viewed by IRA as "excess contribution" so I am trying to determine the right method to remove the $7000 from my Schwab Roth IRA.  Obviously I want to avoid the 6% penalty on the earnings for excess contributions from occurring every year from now on.  

Of note, both IRS and California have given me automatic extension to file my 2022 tax returns until Oct 15, 2023 (based on disaster relief concept) so I have not yet filed my 2022 returns.

I would very much appreciate your additional thoughts about my situation.

Thank you in advance.