No. of Recommendations: 1
If you exceed the 95K limit for a full contribution to a Roth, then the allowable contribution is gradually scaled back to nothing based on how much your modified AGI exceeds $95K. For details, see pp. 54 - 55 of IRS Publication 590. Individual Retirement Arrangements, available for download at

I find that if you think your close to the AGI limit or in the AGI zone where allowable contributions are scaled back, it is easier to make your contribution when filing your taxes than putting it in earlier and having to recharacterize your contributions.


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