I contributed in 2024 for 2023 and 2024 maxing out both years. I have gains from these contributions. TurboTax advised I need to remove everything from the IRA (I had no money in it prior to this). TurboTax advised split the gains (NIA) for both years on Return of Excess form. My brokerage approved 2024 Return of Excess, but keeps rejecting 2023. I haven’t received a clear response from brokerage as to why it’s rejected. The 2023 contribution was made on 2 different days 4/30/2024 ($3,200) and 5/1/2024 ($3,800). Do I fill out two forms for each contribution or one form for the $6500 plus NIA? Is there a reason my brokerage can’t remove the NIA for that year, 2023? What actions are needed to resolve this issue?
