Why does it HAVE to be included in the 2020 tax return ? If I receive the 1099-R next year and it is coded properly to indicate that it's relating to removal of excess 2020 contribution, then why can't it just be included with the 2021 tax return ?
Can you give any specifics from an IRS publication to support your claim of needing an amendment as opposed to just including the 1099-R (which is coded properly to indicate that it was for removal of excess contribution) with the next year's return ?
