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So, I have two employers. Employer #1 I work three days a week for and earned $65,100.00 2013. Employer #1 also offers a Safe Harbor type 401k. Unfortunate for me, It's not an option I want to participate in. It offers no investment options, I don't have ANY visibility as to what I am invested in until months later...nor do I have any choices. I get my end of year statement July. I have about 250k in it and stopped funding t mid way through 2012 and funded a ROTH.

Employer #2 is one day a week and I made $15,000.00 in 2013. I am offered no retirement options.

As I stated above..Mid way through last year, I stated funding a ROTH. This year, I am wanting to start funding an IRA again. I am sure I know the answer to this but...My AGI was 65.1k at the employer that offers me the retirement option. Because, (going forward this will again be my coming year AGI) I will be under the required AGI with this employer, can I invest in a traditional IRA AND take the tax credit at the end of the year?

Mostly use ETFs to fund the account with only a couple stock potions.

If not, what are my options?

Thanks Fools

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