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Retirement tax questions
So you initiated this transfer in 2022? You don't get to do future operations on HSAs. You can only look back on certain operations like making contributions to a previous year.
So it appears that the IRA administrator was correct to date the transfer as 2022, which caused the excess contributions for 2022.
Your option (may or may not work) is to ask the IRA administrator to undo the IRA to HSA Funding Distribution and instead send you the money, and you can manually contribute the money to the HSA yourself. But if the IRA administrator has already sent the money to the HSA custodian, they probably can't/won't do this.
Do you really initiate this transfer on December 30, 2022, or did you contact the IRA administrator on December 30 and ask them to do the HFD (HSA Funding Distribution) after the 1st?
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