I am 77. I contribute to a SEP IRA traditional. This year it penalized me because I'm over 70.5 and its not a ROTH IRA. My financial consultant says nothing has changed

I have contributed every year in the past based on a formula from my self employed earnings less expenses and though my earnings are much lower this year I should be able to contribute about $3500.  Turbo Tax is calculating a penalty vs a benefit.  What changed?  My investment banker says the tax laws around this didn't change.  I've always contributed to my Traditional SEP and have done it every year even though I'm 77.