I created a Roth IRA in Dec, 2023, I placed the funds in a CD, I realized that I was not eligible to have a Roth due to age and work status and removed and closed the account after the CD matured in March 2024. I have not yet received a 1099-R and cannot complete the box information. I do not know if I should file the excess on the 2024 tax return, as my tax person is confused by the whole thing, or should I wait until May 2025 when I receive the 1099-R and file an ammended return?
