Income is too high for a Roth.

[ShortInSeattle]

We're maxing out hubby's 401(k) and my SEP IRA. Everything else goes in our taxable account. We are also contributing the max to our HSA.

I think we're tapped out as far as tax advantaged accounts. anything I missed?

siS

 

[FIREd]

Well, technically, you could look into annuities to get some additional tax deferment. Not saying you should do it (in fact you probably shouldn't) but it is an option...

I-bonds offer some tax deferment as well (they grow tax-free until you redeem them).

 

[RockyMtn]

you could put after tax money into a traditional ira... it might not be deductable but the earnings would go tax free until withdrawl.

 

[ShortInSeattle]

Thanks for the suggestions! I'll look into those.

 

[Animorph]

Those taxable accounts can be used to convert 401k/IRA dollars into a Roth after you ER and before other taxable income sources come online, so it's not a total loss.

 

[pb4uski]

Munis in the taxable accounts to the extent that you have fixed income in taxable accounts. Sounds like you are probably in a high tax bracket.

 

[soupcxan]

You can still contribute to a Roth, look up "backdoor roth contribution".