The Mega Backdoor Roth Strategy – Maximize Retirement Contributions in 2026

Описание: The Mega Backdoor Roth remains one of the most powerful tax strategies for high-income earners looking to build additional Roth assets—beyond the IRS limitations associated with direct Roth 401(k) contributions. In this video, we break down the benefits, and planning considerations of the strategy as it stands in 2026, including contribution limits, in-plan Roth conversions mechanics, and key employer plan requirements that can affect implementation.

In this video, we cover:
(00:00) Intro
(00:26) About us
(00:54) What is the Mega Backdoor Roth?
(01:43) Pre-Tax vs Roth contributions
(03:08) Tax features of After-Tax account
(05:12) The After-Tax account
(06:30) Example
(07:46) The Pro-Rata Rule
(09:06) Closing thoughts

At Rhame & Gorrell Wealth Management, we utilize these strategies in order to help you achieve your goals. Schedule your complimentary consultation today to learn more!

If you or someone you know could benefit from this information or the other services our firm offers, we invite you to contact our team for a complimentary consultation where we will review your financial situation to determine opportunities for optimization from an employer benefits, executive compensation, investment, tax, estate, and retirement planning perspective.

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IMPORTANT DISCLOSURES:

Rhame & Gorrell Wealth Management, LLC (“RGWM”) is an SEC registered investment adviser with its principal place of business in the State of Texas. Registration as an investment adviser is not an endorsement by securities regulators and does not imply that RGWM has attained a certain level of skill, training, or ability. This material has been prepared for informational purposes only, and is not intended to provide, and should not be relied on for, tax, legal or accounting advice. You should consult your own CPA or tax professional before engaging in any transaction. The effectiveness of any of the strategies described will depend on your individual situation and should not be construed as personalized investment advice. Past performance may not be indicative of future results and does not guarantee future positive returns.

For additional information about RGWM, including fees and services, send for our Firm Disclosure Brochures as set forth on Form ADV Part 2A and Part 3 by contacting the Firm directly. You can also access our Firm Brochures at www.adviserinfo.sec.gov. Please read the disclosure brochures carefully before you invest or send money.