We are under the $205k limit, so it should be ok, and I will also look at contributing for 2012 as well, since I haven't filed my taxes yet. The 2013 MAGI phaseout is $178,000 - $188,000. For 2012 it is $173,000 - $183,000. I figured: $205,000 gross income - $4,000 pre-tax medical, dental, and disa...