<prompt> Human: Ive already got a Roth IRA with Merrill. Income is too high so have to contribute to a traditional for 2017. Before I okayd the transfer of funds from savings into the IRA, she asked me if I am coding it as deductible or non-deductible. I wasnt prepared for this question and didnt know how to answer it. She advised me to talk to my advisor which, at this point, is you guys...  <response>: If youre planning to deduct your contributions to this IRA, you want it to be deductible. If you arent probably because your income doesnt allow it, then you use a nondeductible and roll it to a Roth later. 