...The IRA option is not eliminated. The only thing eliminated is the deductible traditional IRA.....I believe that this changed a few years ago, not even if you have an employer pension plan the traditional IRA can still be deductable if your AGI income isn’t too high, see the worksheet 1-2 on page 23http://www.irs.gov/pub/irs-pdf/p590.pdfGreg
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