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Thanks, @macuser_22

 

Procrastination is never good but due to COVID and other issues, I started my taxes this 4th weekend as it usually relatively straightforward, so I thought!  Little did I realize that I contributed to my 401K in excess in 2019 due to a change in job and a bonus payment that came in later.   

 

I don't believe Fidelity will not be able to return the excess amount before July 15th (they have to snail mail the forms, yes in 2020!).  I will follow option 2 mainly because I won't have all the (accurate) info for1099-R.

 

While filing taxes for 2020 next year, I will ignore one of the 1099-Rs that I will receive. Hope my way forward is correct. Any other thoughts?    [I am responsible for my decisions but appreciate the guidance].