Retirement tax questions

your post is a little confusing. 

 

Sell orders wthin an IRA have no tax consequences.  Further did you place that request on 1/31/25 or 1/31/26? 

 

if you meant you requested a DISTRIBUTION on 1.31/26, then you were misinformed as that is a 2026 transaction,

 

While 2025 CONTRIBUTIONS can occur through 4.15.26, 2025 DISTRIBUTIONS must occur no later than 12.31.25.