Client is doing a re-fi so she wants her 2019 return to be filed now (2019 was a better year for her than 2018). 

She has the money to make the tax payment on April 10th, but wont have the money for her SEP & IRA contributions until closer to July.

If we file the return now, can she still make those IRA contributions in July?  Does filing the return nix the ability to make the contributions later?