I'd found out I have excess contribution $7000 ROTH IRA for 2022,. I have a net loss and I did not asked the custodian to do the calculation, instead I did my own calculation and withdraw excess contribution in the amount of$3500 , then I contribute that excess toward 2023 Roth IRA.
I found out later I miscacluated the 2022 excess withdraw amount, I need to withdraw an additional $1000 but custodian now refuse for this year. So now I just found out I may have to pay the excess tax for the $3500 that I just contributed for 2023.
Can I asked the custodian to takeout the excess $3500 contribution for 2023 before april 18?
Also what does the filed substitution for 1099-R mean? does that mean it is an estimate 1099-R since I have not recieved one until next year?
thank you
