IRA type when combined with SIMPLE IRA?

[nara]

My husband and I own a small business. We have SIMPLE IRA plans set up through the business and Roth IRA's--of which we max out all. We are leaning towards a Traditional IRA instead of the Roth for 2017 (for tax benefits as well as for the possibility that we might exceed max income limits for the Roth). I have read on the IRS website that there is no tax deduction for a Traditional IRA if you contribute to an employer IRA plan if your income exceeds $99k. What would be the wise thing to do in our case? Wait and see how much our income is at the end of 2017 and contribute a lump sum to our Roth, if eligible, to at least get some sort of tax advantage for the future? Or did I misread this and there is actually some tax advantage in contributing to the Traditional over the Roth?

[MDM]

My husband and I own a small business. We have SIMPLE IRA plans set up through the business and Roth IRA's--of which we max out all. We are leaning towards a Traditional IRA instead of the Roth for 2017 (for tax benefits as well as for the possibility that we might exceed max income limits for the Roth). I have read on the IRS website that there is no tax deduction for a Traditional IRA if you contribute to an employer IRA plan if your income exceeds $99k. What would be the wise thing to do in our case? Wait and see how much our income is at the end of 2017 and contribute a lump sum to our Roth, if eligible, to at least get some sort of tax advantage for the future? Or did I misread this and there is actually some tax advantage in contributing to the Traditional over the Roth?

It appears you have already seen at least one of these, but IRA Deduction Limits and Retirement Topics - IRA Contribution Limits are pertinent to questions like this.

If you are not eligible to deduct the traditional contribution, there is no reason to make one - unless it is a step on the path toward a Backdoor Roth IRA.