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IRAs are often seen as the "safe" retirement option. The best way to decide whether you need a traditional IRA is to answer these five questions:

1) Do you work in a profession that has a high risk of injury?

2) Do you have health problems that might cause early retirement?

3) Are your retirement funds heavily invested in stocks?

4) Do you have a spouse who will be working during your retirement years?

5) What is your age and what is your current financial situation?

If you answered yes to any of these questions, a traditional IRA might be right for you!

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