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Category:
Tax Planning, IRAs & Retirement Plans

Backdoor Roth IRA Contribution Rules

Updated for 12/01/2024

Can I Make A Backdoor Roth IRA Contribution?

If your client earns too much, they are unable to make a regular contribution to a Roth IRA. But, there is a workaround called the Backdoor Roth Contribution. There are many factors and rules that must be considered, and complicated steps to take in order to properly implement this strategy, without penalty.

To help make the analysis easier, we have created the “Can I Make A Backdoor Roth IRA Contribution?” flowchart. It addresses key considerations, including:

  • Multiple retirement accounts
  • Pro-rata and aggregation rules
  • Step transaction doctrine
  • Step-by-step process for making a Backdoor Roth Contribution
Related Guides
Mega Backdoor Roth Contribution Rules
Category: Tax Planning, IRAs & Retirement Plans
Roth IRA Conversion Tax Rules
Category: Tax Planning, IRAs & Retirement Plans
Roth Conversion Decisions
Category: Tax Planning, IRAs & Retirement Plans

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— Roger Whitney, CFP®️, CIMA®️, CPWA®️
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