Question
Why is a qualified charitable distribution often better than an itemized deduction?
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Answer
It is excluded from income and counts toward the RMD.
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Question
Why is a Roth IRA attractive for retirement planning?
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Answer
Qualified distributions are completely tax-free.
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Question
When does the 10% early-withdrawal penalty apply to IRA distributions?
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Answer
Before age 5921, unless an exception applies.
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Question
When is a Traditional IRA contribution deductible?
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Answer
When MAGI and active-participant rules allow it.
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