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Does anyone currently utilize the self employed pension fund? I will be phased out of the Rother IRA and this looks like a way to invest a good percentage (up to 20%) of income before current year taxes? Any advice would be appreciated?

I assume you're referring to a SEP-IRA. As the title states, you need to be self-employed in order to qualify. Depending on your self-employed income and how much you want to save, a solo 401k is also an option. The SEP-IRA is easier to setup and there is no ongoing paperwork requirements like there are with the solo 401k.

If you're phased out the Roth IRA, you could just contribute to a non-deductible traditional IRA and then immediately convert to Roth. However, this tactic is typically only beneficial if you don't have other deductible IRA contributions.

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