A mega backdoor Roth lets you contribute an additional $47,500 or more to Roth accounts in 2026, on top of the $23,500 elective deferral.
It works in two steps: First, you make after-tax contributions to your 401k up to the $70,000 annual limit, then you convert those contributions to Roth through an in-plan conversion or in-service rollover.
This strategy requires an employer plan that allows both after-tax contributions and conversions. For high earners who’ve maxed out standard contributions, it’s a powerful way to help build tax-free retirement assets.
We exist so you don’t have to worry about money. For more than 40 years, we’ve taken the sophisticated, time-tested approach that many ultra-high net worth individuals use to help manage their financial lives and made it accessible to more families.
