"She has funded every year."
Funding allocated to 2024 can be reassigned to a Roth IRA using the recharacterize request to your custodian.
recharacterization: the original amount to the first IRA you report as contribution to the second IRA, earnings move but are ignored.
You must use a trustee-to-trustee transfer before the due date April 15,2025.
You will instruct trustee to calculate the allocable earnings.
@Bbrun200587
