Deductible IRAs


Q. I am a rehired federal annuitant. Am I eligible for a deductible IRA?

A. That will depend upon your age, marital status, whether or not you or your spouse are covered by an employer-sponsored retirement plan and your income. Check IRS Publication 590, consult a tax advisor or run one of the many IRA eligibility calculators available online.


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Mike Miles is a Certified Financial Planner licensee and principal adviser for Variplan LLC, an independent fiduciary in Vienna, Virginia. Email your financial questions to and view his blog at

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