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You client is considering making a contribution to either a traditional IRA or Roth IRA for the current tax year and asks for your tax

You client is considering making a contribution to either a traditional IRA or Roth IRA for the current tax year and asks for your tax advice? Briefly explain the difference in material tax benefits of and differences between a traditional versus Roth IRA and how your client's current age and current marginal income tax rate may impact their decision.

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