Thank you to both Fanfare and DaveF1006 for your advice and help.
I finally was able to call Fidelity today. They will reissue a corrected 1099-R for the $2500 so it will be a recharacterization of 2023 money instead of 2024 money. So my plan is:
1) File and extension for 2024. Already done.
2) Wait for the corrected 1099-R from Fidelity. Should take 4-6 weeks, they say.
3) Amend 2023 taxes, including the $2500 recharacterization and using what FanFare suggested for wording: “Filed pursuant to section 301.9100-2” on the return. And file the amended return at the same address we filed the original return.
4) Then file 2024 taxes excluding the 1099-R for $2500 since it was dealt with in 2023 taxes.
Thank you both again.
