 Hi, thanks for taking my call. I have a question about retirement. I am full-time working and putting into a state retirement system. My husband retired at 50 and is getting his pension about 80,000, but now is employed in a second career. We just found out in April when we filed our taxes that we make too much money to contribute to Roth IRAs. So my question is, is do we go to a traditional IRA or do we just go to a brokerage account since he's already receiving his retirement?