I recently retired and made some contributions to a Roth IRA in 2022 and 2023. 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. I contacted my custodian (fidelity) and submitted paperwork to have the contribution and any earnings removed. They did remove the money for those 2 years and transferred those amounts to a regular taxable account for me. Now I find out that because my wife works and we file taxes jointly and she had enough income to cover the contributions that I made those 2 years that the contributions were not excess after all. 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. They said they were not able to do that. They said I should ask a tax pro for help in how to handle this. The removal of excess for these years were made this year in March and April. I have not received any tax documents such as a 1099R yet for any of this. I have not filed tax yet for 2022 as I
have an extension till October. Do you have any idea of how I can correct this blunder with the IRS so I dont have any repercussions going forward? Thanks for any help you can provide. Best Regards, Jeff
