2020 TurboTax Premier Roth Conversions have our income past limit to contribute to a Roth, but it's not flagging our Roth Contributions as past the limit.
The AGI amount on Line 11 of our 1040 has the amount of 261k, because of Roth Conversions. Without the conversions our total would be about 170k married, filing jointly (and MAGI wouldn't change it enough or at all). The Roth contribution of 6,000 was a direct contribution. It wasn't done as a back door Roth as non-deductible contributions to a traditional IRA then rolled over. From what I can see of the IRS rules, the Roth Conversions aren't an exception to a calculation for figuring income limits for Roth Contributions.
What are my options for handling this? List it as an excess contribution and pull the money out. Leave it an pay a 6% fee, or Leave it in with some alteration, to make it an acceptable contribution for 2020?
If the third option is possible, I'd prefer that, but I don't want to do anything questionable.
