This topic has been addressed a few times in this platform, and I recommend you have a look at previous answers.
Financial independence is not enough for her to not need consent in doing mut'ah. Please refer to the details of this.
Of course, besides the shar'i side of this, one must also look at the social implications, and it is very important to observe what would be good for her and her future.
You must free her for the remaining period, then do the permanent Nikah. You say to her "I free you for the remaining period," then she becomes non mahram, and then you can do the Nikah. She does not need to observe 'iddah period as well, because she was with the same person, yourself.
Allah Who Created man and woman and e very thing, Knows their needs and requirements, hence He Sent the True Religion (Islam) with the most comprehensive rules covering every area in life. Rules of marriage of man and woman have details and contains conditions. Needs of man are not always similar to the Needs of woman and this is the reason of the difference in some rules for men and women. Mut’ah marriage has many conditions and it aims to save people from sins. Husband in any case is not allowed to hurt the feelings of his wife and he must treat her as he treats himself as a respected human being.
If the time period was not mentioned in the contract, it becomes permanent according to many scholars, that is why you need to recite Talaq in front of two pious witnesses when she is not in her menses to terminate that contract. After that divorce, you both can read a temporary marriage mentioning the Mahr and period.
Wassalam.
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