I made a $6k Roth IRA contribution in 2021. I then had unanticipated income in 2021 which made me ineligible from contributing any money to a Roth IRA that year. I realized this while filling my taxes in Feb 2022 and submitted forms with my brokerage (Schwab) to remove the excess contribution. Although I had originally contributed $6k to my Roth IRA, stock market performance brought the amount in my Roth IRA account down to $4.5k as per calculations done by Schawb when I requested the removal of my excess contribution. Schwab withdrew the $4.5k amount in Apr 2022. I did not receive any forms specific to this withdrawal for the year 2021. I had previously been provided with Form 5498 for 2021, which listed the $6k amount. Schwab also provided me with a 1099-R form for 2022, which indicates the $4.5k amount as the gross distribution.
I then filed my 2021 taxes in June 2022 (I had requested a tax extension).
While working through my 2022 taxes this year, I am doubting whether my 2021 tax return was filed correctly.
Questions: Was my 2021 tax return incorrect? If it was incorrect, do I need to file an amendment for 2021?
Do I need to report the loss of $1.5k from my 2021 Roth IRA?
Is there a special step I should take when filing my 2022 taxes? (I have not submitted my 2022 tax return yet - I am located in CA and our tax deadline was extended until October).
Thank you in advance for your insights!
