According to a brokerage statement, the original funding for a Roth that I made in 2013 was mistakenly attributed to the 2012 tax year before the account even existed (error #1) and it was made past the contribution deadline for 2012 (error #2) and the contribution exceeded the annual limit (error #3).
How all of that got past both the brokerage and the IRS is a mystery unless everything was automated with no oversight. I hadn't looked at the statement until now. If a 5498 was issued to the IRS, I no longer have a copy.
I haven't contacted the brokerage yet, it being the weekend. What I'm hoping for is that the brokerage can apply the correct year, 2013, which would correct errors #1 & #2. The excess amount would be "deemed absorbed" in 2014, when no contributions were made, and I would file a 5329 and pay the excise tax due for 2013.
I'd appreciate any constructive feedback before I find a tax lawyer.
