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Pre-Tax

Traditional IRA

[Placeholder: Describe Traditional IRA ? contributions may be tax-deductible, earnings grow tax-deferred, withdrawals taxed as ordinary income in retirement.]

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Post-Tax

Roth IRA

[Placeholder: Describe Roth IRA ? contributions are after-tax, but qualified withdrawals in retirement are tax-free. No required minimum distributions.]

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Consult a tax advisor: IRA rules, contribution limits, and tax implications vary based on your income, age, and filing status. We recommend consulting a qualified tax professional before opening an IRA.