American Express wants its clients to get a jump-start on the so-called Roth IRA before the account's launching date in January.

The Early Edge program lets customers who invest get their Roth IRA paperwork done now. Investors can also get advice on mutual funds and certificates of deposit, but they cannot invest before January.

The Roth IRA was created by the Taxpayer Relief Act of 1997 and features tax-free earnings growth and higher income thresholds.

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