We have a client that wants to make a $6500 contribution to her Roth IRA. Our client will be 50 in July 2015. We were told that she can contribute the $5,500 now but she will not be able to deposit the additional “Catch up” amount of $1,000 until she turns 50.

I have read that you must wait until you are 50 due to the fact if you pass away before you turn 50 you technically did not have the ability to make a “Catch up” contribution. I have also read where you can make a contribution including the “Cathch up” anytime during the year you turn 50.

Can you please clarify legally what our client can or can not do.
Thanks