Can I split my annual IRA contribution between a Roth and a Traditional account?

Yes. The IRS applies a single combined annual limit across all your IRAs, but you're free to divide it however you like between Roth and Traditional in the same year. For example, you might put part in a Traditional IRA for a current deduction and part in a Roth for tax-free growth, as long as the total doesn't exceed the yearly cap plus any catch-up if you're 50 or older. This can be a smart way to build tax diversification. Just watch the Roth income limits, since your Roth portion is still subject to them. Splitting is common for people in middle brackets who want both immediate tax savings and future flexibility.