I'm still thinking that there has to be IRS guidance on this even though it may be difficult to ferret out. And, there is GAAP to consider, albeit unenforceable.
The money moved in 2021, was available outside the IRA in 2021, and the action was irrevocable.
IRS rules allow me to make online charitable donations right up to midnight December 31 and there's no wiggle room.
It's one thing if the brokerage cannot process the distribution on the day requested but it's another where they hand the funds over and then decide to post-date the transaction.
Will be interesting to see how they explain this away unless of course they recant and move it back to 2021. They did agree they would have to follow IRS rules but I guess they're still trying to figure that out.
