Turbotax software validated income as being too high to allow a Traditional IRA contribution (too high because of substantial Roth conversions).
These Traditional IRA contributions occured at the end of each month in 2024, as my Fidelity Rewards program fed these proceeds directly into my IRA. Point being that the contributions were all made in 2024. It is my understanding that Roth Conversions must be made in the same calendar year, in this case, by 12/31/24.
These contributions are still liquid, parked in the sweep at Fidelity. I understand how to perform this Roth conversion right now, I'm left with this question: Did my Roth conversion window of opportunity already pass (after 12/31/24) for these specific 2024 contributions? Or am I allowed to make the conversion now in 2025, regardless of when the contributions were made, effectively moving out the IRS reporting of the contributions on to the 2025 tax season?
