Hi,
I am getting married this year and my bride and I both had 401k's from previous companies. I wanted to get everything figured out and consolidated. So I opened a rollover IRA and deposited her 401k into my rollover. She only had 2k in her 401k from her previous employer. Then I find out that I needed her to open her own rollover IRA and shouldn't deposit her funds into mine. It does not exceed my max contribution. This was a mistake and I am wondering if I have to file Request a Recharacterization form and have her open her own account. I understand she should probably have her own anyways, but I really would prefer not to file this form anyways if it wont affect my taxes.
Best,
