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You may want to discuss this option with your tax advisor, however, since participation in an employer plan may impact deductibility in a Traditional IRA.

Taxable distributions from Traditional and Roth IRAs before age 59½ may be subject to an IRS 10% penalty tax.

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For example, in 2017, the total amount you can contribute to both a Traditional IRA and a Roth IRA combined cannot exceed ,500 (,500 if age 50 or older).