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@Camp1040 wrote:

The Fidelity rep . . . told the TP that the IRS would automatically send him the excess contribution

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Ugh.  It's asinine stuff like this that makes our job so much harder.  Our clients get two very different stories from sources that are supposed to be trusted professionals.  I've tried quoting 402(g) but that's generally way over their heads so that's where the NerdWallet article comes in handy.

Rick