Advanced Tactics
The Mega Backdoor Roth: How High Earners Save up to $70,000
An advanced look at how after-tax 401(k) contributions and in-plan Roth rollovers can unlock massive tax-free annual savings.
By Marcus Vance, CPA
Supercharging Your Tax-Free Bucket
While regular Roth IRA contributions are capped at $7,500, select employers offer 401(k) plans with after-tax non-Roth contributions and in-service distributions.
When these features exist, participants can contribute up to the overall defined contribution limit (exceeding $70,000 per year combined between employer match and employee contributions) and roll those after-tax dollars directly into a Roth IRA or Roth 401(k).
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