@dmertz Thanks for the details.
Because the cash in each of the years is tied into stocks, am I putting just the fixed qty of $6K each year on the tax forms? Or do I wait for Schwab to calculate the removal of excess and recharacterization, likely more than $6K due to appreciation of stocks?
Regarding your statement:
For 2020 you'll need to amend by entering the code PJ 2021 Form 1099-R that you anticipate receiving near the end of January 2021.
Can you provide some more info? Will look into these forms and codes later today. Jan'21 has already passed, is this form something Schwab provides? Sorry for my lack of knowledge.
