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.
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
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
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.
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
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
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
Tax Planning Strategies for Small Business Owners (2026 Guide)
Key Takeaways Tax planning happens in October. Tax preparation happens in April. The difference is tens of thousands of dollars. The OBBBA made the QBI deduction permanent for
Qualified Small Business Stock (QSBS) Guide: 2026 Rules & OBBBA Changes
QSBS Key Takeaways (2026 Rules) QSBS (Section 1202) allows up to 100% federal capital gains exclusion on C-Corp stock sales OBBBA 2025 Changes (stock issued after July 4, 2025): Maximum exclusion