Thank you for the detailed reply. I see Fidelity defines timely correction of Roth excess contribution as:
"A timely correction is a withdrawal before the tax-filing deadline (plus extensions) in the year you made the excess contribution". By this definition, since I made the 2022 contribution in 2023, I should have time to withdraw excess contribution this year without penalty. Won't it ultimately depend on (whether I have to pay fine or not) how fidelity is submitting the 1099r form? I would appreciate it if you could clarify?
