Yes, traditional IRA's are generally funded with pre tax income.
Two of the most popular Individual Retirement Account plans are the Traditional IRA and the Roth IRA. The main difference between the two is when you get taxed.
To sum it up, you can either pay the tax now with a Roth IRA, or pay the tax in the future with a Traditional IRA.
No, the Santa Barbara Tax Products Group will not "hold your refund" - they only deduct your TurboTax fees.
They are the company that processes the refund whenever you choose to have your TurboTax fees deducted from your federal.
The refund is sent to them, the fees are deducted, and then the remainder is sent to your bank.