Roth IRA Over Income Limit & Pro-rata rule?

Executive Summary

Hello, looking for some advice. My wife and I file Married Filing Jointly, and for the first time we’re estimating our 2026 MAGI may exceed the Roth IRA income limit (possibly around $252,000+). The problem is that we’ve already each maxed out our Roth IRA contributions for 2026, and both accounts h...