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What is a nondeductible IRA?

Many people contribute to an individual retirement account (IRA) to save for retirement and qualify for a tax deduction. But what if you don’t qualify for a traditional or Roth IRA; what then? A nondeductible IRA may be an option for you. “The term designates contributions to a regular IRA that surpass limits set by the IRS,” says Christie Whitney, vice president of investment advice and director of planning at Rebalance. Rachel Hartman’s article for appearing on, explains what a nondeductible IRA is and how it may be worth considering. Read Ms. Hartman’s article here…

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