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  • Note: I edited your question to remove the ask for recommendations on companies, as we don't allow those on this site. Commented Feb 25 at 19:22
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    Money contributed to an IRA, whether Traditional or Roth, must come from compensation (that is, earnings from the sweat of one's brow such as salary or wages, commissions from sales, etc). Proceeds from a reverse mortgage or any loan etc are not compensation and cannot be used to contribute to an IRA. Commented Feb 25 at 20:42
  • @DilipSarwate+ alimony from a pre/non-TCJA divorce also counts -- but wouldn't apply to a widow Commented 2 days ago