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For married couples filing jointly: The phase-out has gone up $5,000. The new phase-out range for 2013 is $178,000 to $188,000,
Here's the IRS guidance on this: http://www.irs.gov/Retirement-Plans/Amount-of-Roth-IRA-Contributions-That-You-Can-Make-For-2013
up to the limit
> $178,000 but < $188,000
a reduced amount
> $112,000 but < $127,000
The qualified plan issue comes up in relation to the DEDUCTIBILITY of traditional IRAs ... The Roths, as you probably know, are after tax, but grow tax free and can be pulled out tax free after the later of age 59 and 1/2 or 5 years
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