Good answer
Confirms what I thought
I will recommend that she and her husband amend their returns to MFJ for the 3 years specified to correct the Roth overfunding issue
No really good reason why she and her husband filed MFS except that they continued doing what they did as before they were married using different tax filing services
I gave up trying to get a live body at the IRS to answer a simple question
Thanks again MJM10
