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Retirement tax questions
If you did not file yet and you did not request an extension,
it is too late to remove that additional excess via "excess plus earnings" .
The deadline was April 15, 2025.
You must file 2024 Form 5329 and pay the 6% penalty and have custodian remove the new excess by distribution of exactly that amount.
any earnings on the new excess remain in the Roth IRA.
‎April 16, 2025
7:15 AM