The ‘Mega Backdoor Roth’: A 401(k) Feature You May Not Have Considered скачать в хорошем качестве

The ‘Mega Backdoor Roth’: A 401(k) Feature You May Not Have Considered

If you’re curious whether a Mega Backdoor Roth could fit into your overall plan, visit https://hubs.li/Q041ZY650 In this episode of Blue Chip Chats, Gina DiGirolamo, CFP® sits down with Managing Partner Dan Seder, CFA, CMT, CFP® to break down a retirement planning strategy that some high-income earners might overlook: the Mega Backdoor Roth. They start by laying the groundwork of a standard backdoor Roth, then walk through how the mega backdoor Roth works inside a 401(k) plan, including real-world contribution examples using current limits. Dan also explains how catch-up and super catch-up contributions fit into the bigger picture and why Roth dollars can play an important role in long-term tax planning and wealth transfer conversations. As always, the discussion balances technical analysis with practical considerations, helping listeners understand when this approach may be worth exploring and why guidance matters. Disclaimer: Expressions of opinion are subject to change without notice. Any information provided is not a complete summary or statement of all available data necessary for making an investment decision and does not constitute a recommendation to buy, hold or sell any security. The information provided, whether charts, articles, or any other statements regarding market or other financial information, has been obtained from sources considered to be reliable, but we do not guarantee that the foregoing material is accurate or complete. The information contained herein does not constitute individualized tax advice, and should not be used by any person to avoid tax penalties that may be imposed under the Internal Revenue Code. Any prospective investor should consult an independent tax advisor about their individual situation and needs. Tax laws can change and it is important to stay informed about potential legislative developments that may impact your tax situation. Every investor’s situation is unique, and you should consider your investment goals, risk tolerance and time horizon before making any investment. Prior to making an investment decision, please consult with your financial advisor about your individual situation. Past performance does not guarantee future results. Dividends are not guaranteed and must be approved by the company’s board of directors. Investing involves risk and you may incur a profit or loss regardless of strategy selected. There is no guarantee that any statements, opinions, or forecasts provided herein will prove to be correct. Links: Gina DiGirolamo: https://www.bluechippartners.com/abou... Dan Seder: https://www.bluechippartners.com/abou... Meet with an Advisor: https://www.bluechippartners.com/cont... Call us: 248-848-1111 Disclosure Information: https://www.bluechippartners.com/disc... Podcast: https://www.bluechippartners.com/blue... Blog: https://www.bluechippartners.com/blog/ In the News: https://www.bluechippartners.com/in-t... Financial Services: Investment Management: https://www.bluechippartners.com/fina... Executive Compensation: https://www.bluechippartners.com/fina... Retirement Planning: https://www.bluechippartners.com/fina... Tax Planning: https://www.bluechippartners.com/fina... Estate Planning: https://www.bluechipestateplanning.com Career Opportunities: https://www.bluechippartners.com/abou... Timestamps: 00:00 – Intro & episode overview 01:03 – What is a basic backdoor Roth? 01:35 – How the mega backdoor Roth is different 02:00 – The three types of 401(k) contributions 02:31 – How the mega backdoor Roth works inside a 401(k) 02:51 – Contribution example 03:38 – Understanding the 415(c) contribution limit 04:02 – Catch-up contributions for age 50+ 04:32 – Super catch-up contributions (ages 60–63) 04:54 – Key takeaways for high-income earners 05:10 – Roth accounts, RMDs, and long-term flexibility 05:38 – Roth strategies and wealth transfer considerations 06:11 – Final thoughts and next steps