I just realized I have contributed too much to my own and my wife's Roth IRA for 2020. I understand I can remove the excess amount and earnings before filing 2020 tax return, in which case there won't be penalty for the excess contribution (only taxes and penalties on the earnings because of early withdrawal).
But my question is this: With only a month like the tax filing deadline, what if I remove the excess contributions now but still don't receive the 1099-R forms for both Roth IRA accounts in time to file them with 2020 tax return ? What to do in that case, or what is the solution in this case ?
