The Mega Backdoor Roth IRA Guide

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This guide is for:

• High-income W-2 employees
• Corporate 401(k) participants with after-tax contribution access
• Early-retirement planners seeking extra tax-free growth

And covers strategies like:

• Maxing after-tax 401k contributions up to the full §415 limit
• In-plan Roth conversions vs. in-service rollovers (pros & cons)
• Avoiding the pro-rata rule and double-taxation traps
• Coordinating employer match & pre-tax deferrals for testing compliance
• Timing payroll elections to hit annual limits efficiently
• IRS reporting essentials (Forms 1099-R & 5498)