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Everyone looks for ways to save money, and to make their money work harder - and longer. With pensions disappearing and reductions in employer match programs, it is important for Americans to consider financial planning tools that address long-term retirement and tax situations. One such tool is the Roth IRA.
A traditional IRA permits before-tax contributions which enjoy tax-deferred earnings. A Roth IRA, however, only allows after-tax contributions, but can provide income-tax-free...
