I keep re reading your post. Yes the contribution from Brokerage to IRA is definitely an excess contribution. You can’t do that. Weird they would even suggest that to you.
Plus another wrinkle is if you are under 59 1/2 and if some of the amounts taken out are considered a distribution and not a conversion there is a 10% Early Withdrawal Penalty.
Here’s an idea…….You may have to start completely over and put the 3 annuity distributions Back into the annuity IRA accounts (if you can). You have 60 day to roll them back.
