My 22 year old brother contributed 2k to his Roth last year and wanted to contribute more. He wanted to try to take some initiative and so last night he made a contribution without telling me and put it in as a 2021 contribution. With him still being able to contribute for 2020, and with him being in the service industry, I don’t know when he’ll be going back to work. Covid could get really back and things could be difficult till even the end of the year. He made over 6k last year so contributing this for 2020 is no issue but if he doesn’t work this year, a contribution for 2021 would be an issue.
Is there anything that he can do? Can he just call fidelity and ask them to switch it? I’m not sure of the process involved