Does a gain/loss calculation also need to be done for 2021 then, @dmertz?
If not, then is there any reason I couldn't simply withdraw the entire HSA balance as a regular distribution (rather than a return of contribution), and amend my 2021 return to pay the 6% on 475.01, amend the 2022 return to pay the 6% on 4,075.01 (the 2021 and 2022 contributions combined), and pay 20% on the distribution when I file for 2023?
If that is not a valid solution, then I have no idea how I can resolve this. My custodian just replied and said they can't give me the gain/loss calculations, since the HSA funds were transferred to a 3rd party broker (TD Ameritrade) for investing, and they have no insights into the activity in that account.
