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Avoid annuities, whole life, IUL and just about any other "investment" based upon insurance or an expense heavy plan. The expenses are very high, benefiting the policy writers, and in the end you will realize too late, that you would have been happier making money on your investments and paying some taxes instead of giving it away for free to an annuity or insurance company.

I absolutely agree with Phil. Look at using the trad IRA contribution to Roth conversion backdoor. Then add to your taxable account using tax efficient investments.

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