HI!
Client made a 2018 contribution on 12/31 to a ROTH/IRA($5000) and to a regular IRA($5500).
What would be the easiest way to get that ROTH/IRA re-characterized as 2019 contribution.
From what I can tell, she can only contribute up to $5500 total for 2018 (she's not over 50). She needs the tax deduction for 2018 from the regular IRA.
I really appreciate your help!