Contributed the full $6k earlier this year to my Roth IRA. Changed jobs and now I’ll be over the income limit. Once I sell stocks and withdraw my contributions/gains from my Roth IRA, do I need to do anything else to make sure I don’t get penalized?

Also very difficult to figure out the gains. Should I just clear out my Roth IRA and move everything to brokerage? There’s about $15k total. Thank you!

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Talk to your brokerage. I believe there is a process to recharacterize to traditional IRA in this scenario, then you can backdoor to Roth if you want.

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Yes they have seen this many times before. Should be an easy fix. Any gains will be taxed and distributed to you.

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Thank you! I spoke with my brokerage earlier today, and they walked walked me through the whole process!

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What is your Adjusted Gross Income for 2021

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