Download our Flowchart: Should I Contribute To My Roth 401(k)?
Roth 401(k)s have become an increasingly popular alternative to traditional 401(k)s, allowing participants to make after-tax salary deferrals to their employer plans. Many clients may have the opportunity to contribute to a designated Roth account in their 401(k), but are uncertain about the best savings strategy for their personal circumstances. This flowchart helps guide you through a series of considerations that will inform their decision whether to contribute to a Roth 401(k), and covers:
Future tax rate expectations | Roth IRA eligibility | Employer matching considerations | RMDs and future rollover options | Additional savings opportunities through backdoor Roth contributions
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