Can I still contribute to a retirement account?

Yes — you can absolutely still contribute to a retirement account.

The 12-411 process does not restrict your ability to contribute to IRAs, 401(k)s, or other qualified retirement plans.

Your income is still considered legitimate, reportable income — it’s just not taxable under federal law due to the 12-411 process.

You’ll continue to have the option to:

• Fund retirement accounts

• Make Roth or Traditional IRA contributions

• Receive employer-sponsored plan contributions (if applicable)