After-Tax 401(k) Contributions: The Key to Mega Backdoor Roth

Most people know about pre-tax and Roth 401(k) contributions. But there’s a third type that can add $20,000 to $47,500+ to your Roth savings each year. After-tax 401(k)

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Roth IRA Contribution Limits & Income Limits 2026

The IRS adjusts Roth IRA contribution limits and income phase-out thresholds annually for inflation. For 2026, both limits increased, giving savers more room to build tax-free retirement wealth.

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Roth IRA vs 401(k): Complete Comparison for Business Owners

Choosing between a Roth IRA and 401(k) isn’t an either/or decision. For most business owners, the right answer is both. But understanding when each account shines helps you

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Solo 401(k) Roth Contributions: Complete Guide for Self-Employed

The solo 401(k) is the most powerful retirement vehicle available to self-employed individuals. It combines the high contribution limits of employer-sponsored plans with the flexibility to include Roth

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Roth 401(k) vs Traditional 401(k): Which Is Better for Business Owners?

The Roth vs. traditional 401(k) decision is fundamental to retirement planning. For W-2 employees, the choice is usually straightforward: higher bracket now means traditional, lower bracket means Roth.

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The Pro-Rata Rule Explained: How It Affects Your Backdoor Roth

The pro-rata rule is the #1 reason backdoor Roth strategies go wrong. It turns what you thought was a “tax-free” conversion into a surprise tax bill at filing

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Roth Conversion Strategies: 2026 Guide for High-Income Business Owners

Roth conversions let you pay tax now at known rates in exchange for tax-free growth and withdrawals forever. For business owners, that’s not just a retirement planning tool—it’s

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Backdoor Roth IRA vs. Mega Backdoor Roth: 2026 Guide for High-Net-Worth Business Owners

Last updated: January 30, 2026 If you’re a business owner earning too much to contribute directly to a Roth IRA, the Backdoor Roth IRA and Mega Backdoor Roth

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How Fractional CFO Works with Your CPA: Integration vs Coordination

Most businesses hiring fractional CFO services face a coordination problem they don’t anticipate. Your fractional CFO provides strategic financial guidance. Your CPA handles tax preparation and compliance. Both

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Fractional CFO for S-Corps & Partnerships: Entity-Specific Financial Strategy

Most fractional CFOs understand basic business finance. Fewer understand the specific complexities of S-corporations and partnerships. Reasonable compensation requirements for S-corps. Basis tracking and K-1 allocations for partnerships. Section 754 elections. Partner distribution rules.

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