At my brokerage firm, I withdrew $10000 from my IRA, but re-characterized all of it as a Roth rollover (1099-R) without taking my RMD. How do I fix this?

[dmertz · Accepted solution]

You performed a Roth conversion, not a recharacterization.

The first amounts distributed from the traditional IRA in an RMD year are deemed to be your RMD until your RMD has been satisfied.  If you had not already satisfied your RMD from this traditional IRA with an earlier distribution, the distribution from your traditional IRA that you subsequently rolled over to a Roth IRA included your RMD.  Because an RMD is not eligible for rollover, the amount of the RMD deposited into your Roth IRA as a rollover is an excess contribution to the extent that it exceeded the amount that you were eligible to contribute to a Roth IRA as a new contribution.  You'll need to obtain a return of excess contribution of whatever amount that excess is.