Hi, i recently discovered that the traditional IRA contribution I made for my wife for the tax year 2023 cannot be deducted because exceeds the modified AGI. As a result, before filing the 2023 income tax, last week, I had Charles Schwab remove the excess contribution along with the earnings. I'm told that the 1099-R for the excess contribution will not be available until 2025. My question is since I do not have the 1099-R and because I removed the excess along with earnings (only $8.46) before filing the income tax, I don't have any traditional IRA contribution to report for 2023, correct? Do you recommend just waiting until next year and amending my 2023 income tax? Or do you recommend that I manually creat 1099-R information and file the earnings as part of my 2023 income tax return?
