I contributed $7,000 to a Roth IRA in 2024, but it turns out it was excess because I was over the income limit. My Roth is in Webull. I closed out all my positions and transferred the money total of $9,055.47 ($7k in 2024 contributions + $804 in 2025 contributions + any earnings on these contributions) to my bank account. There was approximately $2,467.67 in the account before I started making 2024 contributions which I eventually sold at losses for net negative as you can tell by the total I withdrew. Webull taxed me 10% for federal tax total of $905.55. I currently have $134.19 in Webull Roth ($134 of it is 2025 contributions and the 0.19 is interest or dividends from prior positions which are now closed). I transferred this $134.19 to my bank (currently processing) and Webull again taxed 10% on this as well. I had no idea I would be over the limit until after the fact and do not want the 6% penalty. I have already setup a Traditional IRA and Roth IRA with Fidelity to backdoor so this doesnt take me by surprise again. I have already transferred from my bank to Fidelity Traditional IRA the $7,000 for 2024 contributions and about $938 for 2025 contributions. My issues are that I have already filed my taxes and return is processed. Additionally, I don't believe I should have been taxed as much because majority was contributions. What are the steps to get all of this corrected and settled? I am under 59 1/2.
