Yes, you can still contribute to a Roth IRA even if your income exceeds the limits for making direct contributions. This can be done through a ‘backdoor’ Roth IRA contribution, which involves first contributing to a traditional IRA (non-deductible), then converting those funds to a Roth IRA. However, it’s important to consider any existing pre-tax IRA balances, as they may trigger additional taxes upon conversion. Consult a tax professional for guidance on your specific situation, as IRC Section 408A governs Roth IRA rules and limitations.
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