The most easy thing to do is simply pull the contribution out of the Roth IRA before the Tax Day April 15th. The post-tax amount you contributed will not be penalized but Gains might be taxed and penalized ( i.e. Roth account opened for 5 years and you are 59 1/2 ). Another option would be to covert your contribution to a Traditional IRA. I am assuming if you have exceeded the MAGI allowable amount, then you have maxed your contribution to a 401k or Traditional IRA. Therefore, this may not be the option to use. I would recommend asking your financial advisor for guidance on your best option.