Self-Employed 401k FAQ: I have a DB Plan- Can I still make the max Mega Backdoor Roth contributions?

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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:

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About George Blower

I have the privilege of educating our clients about our products and services so that they can make informed and confident decisions about their financial future. Prior to joining My Solo 401k Financial, I served as the general counsel for a subsidiary of a Fortune 500 financial services company. Learn more about George Blower and My Solo 401k Financial >>


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