I am 76 years old and took out 2020 RMD $63045.60 (2 securities plus cash) on 1/6/2020. I have re-contributed (Rollover) $63045.60 (2 different securities+cash) on 7/2/2020 from Schwab individual account to the IRA account. I have not realized the rollover has to be the in-kind (same way I took out) of RMD, but I re-contributed $63045.60 with 2 different securities+cash. Now, the Schwab IRA division was advising me I re-contributed or rollovers incorrectly, and am confused about what is my next course of action?
Can I remove excess IRA Contribution back to an individual account, and re-contribute or rollovers $63045.60 with the original in-kind or the same 2 securities+cash?
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