https://ttlc.intuit.com/community/taxes/discussion/incorrectly-removed-excess-roth-contributions/01/3072015#M1120489 <P>I recently retired and made some contributions to a Roth IRA in 2022 and 2023.&nbsp;&nbsp; I read some rules on Roth IRA contributions that said you can only contribute to an IRA if you have earned income of which I had none in these 2 years.&nbsp;&nbsp; I contacted my custodian (fidelity)&nbsp; and submitted paperwork to have the contribution and any earnings removed.&nbsp; They did remove the money for those 2 years and transferred those amounts to a regular taxable account for me.&nbsp;&nbsp; Now I find out that because my wife works and we file taxes jointly and she had enough income to cover the&nbsp; contributions that I made those 2 years that the contributions were not excess after all.&nbsp;&nbsp; I contacted Fidelity and asked if they could recode the removal of excess to make it just a regular distribution for each of those years.&nbsp; They said they were not able to do that. They said I should ask a tax pro for help in how to handle this.&nbsp; The removal of excess for these years were made this year in March and April.&nbsp;&nbsp; I have not received any tax documents&nbsp; such as a 1099R yet for any of this.&nbsp;&nbsp; I have not filed tax yet for 2022 as I</P><P>have an extension till&nbsp; October.&nbsp;&nbsp; Do you have any idea of how I can correct this blunder with the IRS so I dont have any repercussions going forward?&nbsp;&nbsp;&nbsp; Thanks for any help you can provide. Best Regards, Jeff</P> Tue, 24 Feb 2026 06:44:57 GMT kojajt 2026-02-24T06:44:57Z https://ttlc.intuit.com/community/taxes/discussion/incorrectly-removed-excess-roth-contributions/01/3072015#M1120489 <P>I recently retired and made some contributions to a Roth IRA in 2022 and 2023.&nbsp;&nbsp; I read some rules on Roth IRA contributions that said you can only contribute to an IRA if you have earned income of which I had none in these 2 years.&nbsp;&nbsp; I contacted my custodian (fidelity)&nbsp; and submitted paperwork to have the contribution and any earnings removed.&nbsp; They did remove the money for those 2 years and transferred those amounts to a regular taxable account for me.&nbsp;&nbsp; Now I find out that because my wife works and we file taxes jointly and she had enough income to cover the&nbsp; contributions that I made those 2 years that the contributions were not excess after all.&nbsp;&nbsp; I contacted Fidelity and asked if they could recode the removal of excess to make it just a regular distribution for each of those years.&nbsp; They said they were not able to do that. They said I should ask a tax pro for help in how to handle this.&nbsp; The removal of excess for these years were made this year in March and April.&nbsp;&nbsp; I have not received any tax documents&nbsp; such as a 1099R yet for any of this.&nbsp;&nbsp; I have not filed tax yet for 2022 as I</P><P>have an extension till&nbsp; October.&nbsp;&nbsp; Do you have any idea of how I can correct this blunder with the IRS so I dont have any repercussions going forward?&nbsp;&nbsp;&nbsp; Thanks for any help you can provide. Best Regards, Jeff</P> Tue, 24 Feb 2026 06:44:57 GMT https://ttlc.intuit.com/community/taxes/discussion/incorrectly-removed-excess-roth-contributions/01/3072015#M1120489 kojajt 2026-02-24T06:44:57Z