@dmertz
You provided quick, clear and simple solution for complex issues.
Only thing left for me to to is to file the Forms 5329 to report and pay the penalties on the excess contribution asap once brakeage firm finishes removing excess contribution process. I can pay IRA online.
Remaining question:
Do I need to fill out 4 forms 5329 for each different year or
just fill out one form 5329 for 2017, 2018,2019,2020 together?
Thank you for your patients and kindness!
You're truly great expert!
