@fanfare Adjusted Gross income for 2020 is $127,411. I filed as Married filing Separately in 2020. My spouse and I lived separately for whole year of 2020. I submitted a request to Schwab to remove $1500 out of my $6000 contribution made in 2020 so that I'm well within my Roth IRA contribution limit. Yes, the remaining $4500 was left as Roth contribution for year 2020. Schwab journaled some stocks from my Roth IRA account to my personal account and sent me 1099 R 2022 - Gross distribution is $2,149 and taxable income is $647
