With the TCJA expiring in 2026, there is a lot of buzz and rules-of-thumb about Roth strategies, but very little discussion on analysis methodology. This course will provide insights on how to create and audit an analysis and recommendation with accuracy and targeted vetting questions. "Rules of Thumb" can sometimes be detrimental and cause clients to pay more in taxes over their lifetime (present value) than necessary. Heirs tax liability will also be covered. A very significant portion of the population is prevented from executing a straight-forward Roth Contribution due to the income restrictions. What was once a risky way to thwart that rule has now become accepted, and many clients can benefit. These contributions should typically take precedence to saving to a brokerage/taxable account, but there are some steps that need to be addressed to prevent unwanted taxation. Learn about the MegaBackdoor Roth also. Secure 2.0 includes many new rules, and some of them address Roth IRA/401k. We will cover these and how they can help your clients.
Learning Objectives
• Determine how to execute and audit an analysis on Roth conversions and Roth 401k/Ira vs. Traditional
• Recognize recommendations that are flawed
• Identify errors in analysis and recommendations
• Understand and apply the Backdoor (and Mega Backdoor) Roth, and how Secure 2.0 affects Roth IRA/401k strategies
• Recognize when tax efficiency could be improved with Backdoor Roth techniques
• Identify errors in attempts to execute Backdoor Roth
Major Topics
• How a rule of thumb can backfire
• Key inputs for an analysis
• Best ways to evaluate scenarios
• How to look for errors
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