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Based on my AGI (which is high), I am eligible for a Roth IRA contribution but partial. So that means that the balance (Roth + balance = $4k), will go to a Traditional. I'm at 10% contribution to my company 401k with them matching at 4%. I can go as high as 12% because my high AGI prevents me from matching at 20% for other employees.

First of all, the Roth contribution is based on Modified AGI, or MAGI. (See IRS Publication 590 for details on calculating MAGI ) The MAGI accounts for, among other things, your 401(k) contribution, so any additional money you add to your 401(k) will allow you a higher Roth contribution when you are in the partial contribution income range.

My question is, for retirement purposes (I'm only 37yrs old), is it best to utilize, maximize all 3 instruments: 401k, Roth IRA, Traditional IRA? Or just 401k and Roth? It'll be a while before I break the AGI for a Roth.

Definitely your 401(k) contribution to your 12% limit, since the extra 2% you put in will allow you to put more into the Roth, as well as decreasing your current taxes. Put as much as you can into the Roth. For the non-deductible IRA, this thread has a lot of the pros and cons, and you need to decide for yourself what is the best way to invest your money.

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