I made a max contribution of $6500 to my wife's IRA in Feb 2016 to offset my 2015 tax liability. However I just found out 1/4/17 when I tried to make a contribution for the 2016 tax, that Vanguard had applied my 2015 contribution to the 2016 tax year. This not only makes us ineligible to contribute for 2016, it makes my 2015 tax return inaccurate. How can this be rectified?
