I am new to the board and have some retirement savings questions..I am self employed and have to play catch up in the retirement savings area..I max out my SEP IRA every year..Can I still contribute to my IRA?Can I establish a ROTH IRA?Can my wife (she is unemployed) establish/contribute to an IRA? I do not like the fact that annuitys are taxed at the ordinary income rate, but I believe establishing one is a good idea nevertheless..is it? I am considering Vanguard...All opinions most welcome..Thanks,Sabre
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