No, it won't make a difference even if you roll the pre-tax $14k to another financial institution. All the IRA accounts are aggregated no matter where they are housed.
But there is one thing you can try: If your wife's current employer has a 401(k) plan and accepts rollovers from other retirement plans, she can roll the pre-tax rollovers to the current 401(k) plan. This is the only way that I know of.
@dhuynh44
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