I can't deduct a traditional IRA anyway as our total income from interest, dividends, pension, MRD's from traditional and SEP IRAs, Sch C, LTCG is too high. Three years ago when I had a high Sch C income i contributed to ROTH IRAs and my SEP-IRA. In the past 3 years I have had a low Sch C net due to an offset mostly by the SEHI adjustment to income. In 2017, and 2018 and perhaps beyond I will have some consulting net income several thousand beyond that SEHI adjustment to income. I think I can divert some of that to a ROTH IRA and/or a my existing SEP IRA but not sure. My objective for 2017 and 2018 was to get AGI below the $170,000 threshold where Part B nd D surcharges kick in. Higher retirement balances due to a strong stock market, a lower MRD divisor and better interest on cash probably makes doing that in 2019 impossible. Nice problem to have as I know. I guess I will have to just plug the numbers into Proseries and see what it tells me.