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Self-Employed 401k Question Answered: I have a Defined Benefit Plan. Can I fund my solo 401(k) entirely with after-tax (not Roth) contributions and then move the entire amount to backdoor Roth?
The short answer is yes assuming that the self-employed individual qualifies for the solo 401(k) and that such person sets up a plan like ours that allows you to make voluntary after-tax contributions.
There is no restriction on making purely voluntary after-tax contributions
The fact that such a person has a defined benefit plan will not preclude such person from opening a Solo 401k and then making voluntary after-tax contributions. Moreover, making voluntary after-tax Solo 401k contributions will not reduce their ability to continue to maximize contributions to the defined benefit plan. For more see: https://www.mysolo401k.net/making-voluntary-after-tax-contributions-to-combined-hybrid-401k-and-defined-benefit-plan-dbk-plan/