No matter how many times I read the excellent Motley Fool IRA articles, I never quite understand one issue. The articles state that I cannot contribute to a traditional deductable IRA if I'm a participant in my company's retirement plan and my AGI is over $40K. My company provides me with a pension plan, but it is not one in which I may make contributions. We also have no 401K plans or the like, I'm single and my AGI is over $40K Does this make me a participant (in a qualified retirement plan) and therefore unable to invest in a traditional deductable IRA?
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