Hi, apologies if this question has been answered elsewhere, but I'm having a difficult time applying the various responses to my particular case.
My situation: I contributed to my Roth IRA in tax year 2018, then I received an unexpected income in stock that bumped me outside the eligible income bracket for Roth IRA contributions. Unfortunately, I realized this only after I had already filed my returns for tax year 2018 (in March 2019). Since then I have removed the excess contribution + the earnings in June 2019. Note: I proactively removed the excess contribution, I did not receive a letter from the IRS.
I've researched what to do next on various online forums and even spoke with a tax advisor, but I'm not sure what I need to do exactly. Online communities said that I have until October 2019 to file an amendment to my 2018 tax returns to avoid any penalties. My tax advisor says she can't do anything until I receive a 1099R form from my brokerage (through which I had established by Roth IRA) because she needs proof that I made a ECR/distribution. I asked the brokerage firm when I would receive this form and was told it would be available in April 2020. It sounds to me I would be missing my deadline to amend my taxes because this form would not be available until after the deadline.
What am I misunderstanding here and what is the correct next step for my case? Thank you in advance for all your help!
