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Have you heard of the Saver’s Credit? For retirees and pre-retirees, the credit can be a good reason to keep making retirement plan contributions as long as possible. (Photo: Getty)

Recently, a friend retired at age 64 after a long and successful career in sales. In his first year of retirement, his income dropped from six figures into the mid fives. To avoid idle time, he continues to handle a few accounts and earn some commissions – part of which he socks away in a Roth IRA.

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