You are no longer prohibited from from making a traditional IRA contribution because of your age. The SECURE Act eliminated the age restriction. That's why your broker did not flag any error.
The only reason that you might not be eligible to contribute to an IRA is if you (or your spouse if filing jointly) do not have compensation to support the contribution. If that's your situation, yes, you need to obtain a return of contribution by the due date of your 2021 tax return, including extensions. Be sure to decline any tax withholding on this distribution. Any attributable earnings will be taxable on your 2021 tax return and to report the earnings before receiving the 2022 Form 1099-R you can enter the form as if you have already received it. Otherwise, as you said, you can file without entering this Form 1099-R and then amend your 2021 tax return in early 2023 when you receive the form. (If there are no gains attributable to the amount being returned, there is no need to enter the 2022 Form 1099-R into either 2021 or 2022 TurboTax. You explanation statement that will be included with your 2021 tax return suffices.)
