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3. Alternative to a 401(k or a Keogh)

Alternative clues for the word rothira

• Withdrawals from it are tax-free
• Plan made possible by the Taxpayer Relief Act of 1997
• Nest egg choice
• Certain tax shelter
• Tax planner's recommendation
• Tax shelter named for a U.S. senator
• Estate planner's advice
• 90's-style nest egg
• Contributions to one are not tax-deductible