backdoor roth ira

backdoor roth ira

7 Hidden Backdoor Roth IRA Rules Costing Professionals Money

The Backdoor Roth IRA contains three hidden rules - the pro-rata aggregation, existing pre-tax IRA balances, and conversion timing - that can turn a tax-free benefit into a costly mistake for professionals. In 2026, high earners can add $8,600 tax-free to a Roth using the Backdoor method, according to