High Earners: The Roth Strategies That Can Save You Taxes

If you're a high-income professional, physician, or business owner, you’ve probably been told you make too much money to contribute directly to a Roth IRA. But there’s a massive loophole the IRS allows that lets you build tax-free wealth anyway. In this video, Scott Sturgeon, JD, CFP® breaks down the three powerful legal backdoors high earners use to move assets into Roth IRAs indirectly, minimize lifetime taxes, and completely optimize their retirement streams. What You'll Learn: The Backdoor Roth IRA: How to navigate the income limits ($168k single / $252k joint in 2026) and successfully contribute post-tax dollars. The Mega Backdoor Roth: The "201" strategy that lets you unlock up to tens of thousands in extra Roth contributions using your workplace 401(k). Roth IRA Conversions: Why paying taxes today on your traditional IRA might save you millions in Required Minimum Distributions (RMDs) by your late 70s. Pitfalls to Avoid: How to stay on the right side of the Pro Rata Rule and manage Medicare IRMAA surcharges. ⏱️ Timestamps: 0:00 - The High Income Roth Problem 1:45 - Traditional vs. Roth IRAs (The Real Difference) 3:30 - Strategy 1: The Backdoor Roth IRA Explained 5:15 - Strategy 2: The Mega Backdoor Roth 8:00 - Strategy 3: Roth IRA Conversions (Case Study) 11:30 - The Hidden Dangers: Pro Rata Rule & IRMAA Surcharges 14:00 - 5 Common Mistakes High Earners Make 16:15 - How to Build Your Tax-Efficient Quiver 🔗 Resources & Links: Get a Free Financial Assessment: https://www.oreadwealth.com/free-assessment Subscribe to Our Newsletter: https://oreadwealth.us5.list-manage.com/subscribe/post?u=d7d0df620af68cc5267ea74cd&id=f035682fcd Read the Blog: https://www.oreadwealth.com/blog Disclaimer: This video is for educational purposes only and does not constitute formal tax or financial advice. Always consult with a certified professional regarding your specific financial situation. #BackdoorRoth #MegaBackdoorRoth #RothConversion #TaxFreeWealth #RetirementPlann

Added 23 Jun 2026