I took $22,000 out of my traditional IRA in late December 2022, and put it in a non-retirement (checking) account. In January I realized I could/should have done a Roth IRA conversion. The IRS pubs say you can do a 60-day rollover from any retirement plan to any other retirement plan, including a Roth IRA conversion. But Form 8606 asks "enter the net amount you converted from traditional, SEP, and SIMPLE IRAs to Roth IRAs in 2022". Can I still put the $22,000 into a Roth in January 2023 and have it count as a conversion happening in 2022? (I know I have to pay 2022 taxes on the $22,000). If so, can I have a reference to the pubs backing that up? Because some financial institutions I've been dealing with (Fidelity, Vanguard) seem to think it is impossible.
