A backdoor Roth IRA is a strategy that allows high-income earners who exceed the income limits for direct Roth IRA contributions to contribute via a nondeductible traditional IRA and then convert it to a Roth IRA. Because many DINK couples have high combined incomes, the backdoor Roth IRA can be a valuable tool for capturing tax-free retirement growth. A Mercer Advisors wealth advisor can help evaluate whether this strategy aligns with your income level and existing IRA balances.