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You can contribute to a traditional IRA if you earn compensation, and if you will not reach age 70 1/2 by the end of the year.  In 2016, an individual age 49 and below can contribute up to $5,500, and an individual age 50 or above can contribute up to $6,500.  However, you can never contribute more than you’ve earned in income for the year.  If you file a joint tax return, you can treat your spouse’s compensation as your own (except your combined contributions cannot exceed your combined compensation or contribution limit, whichever is less). All earnings in a Traditional IRA are not taxed until they are withdrawn. You may find this article helpful:  The FAQs of IRAs.

Category: IRA

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Las Cruces, NM 88004

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Tax Solutions and Savings for Members