I'll be in the phase-out zone of the Roth...)I haven't been paying close attention to this thread, so my apologies for coming late to the party. From what I recall of your story you could be a perfect candidate for a way around the Roth phaseout. It all depends on whether you have an existing traditional IRA with pre-tax money in it, including SEPs, SIMPLEs, and rollovers from prior employers' plans.PhilRule Your Retirement Home Fool
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