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Should I Contribute To My Roth IRA Vs. My Traditional IRA?

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When saving for retirement, you may have questions about which account you should be making contributions to – a traditional IRA or a Roth IRA? The answer depends on several different factors that should be considered and discussed.


This flowchart will assist you in navigating these considerations. It includes:


  • Eligibility to deduct contributions to a traditional IRA
  • Eligibility to make contributions to a Roth IRA
  • Current tax rates vs. future tax rates
  • Ability to max out the contributions
  • RMD impact

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