Mega Roth 401(k): Maximize Your Tax-Free Retirement

If you are self-employed or own a small business, the solo 401(k) is one of the most powerful retirement tools available. In this webinar, Advanta IRA's Larissa Greene breaks down how the mega Roth 401(k) strategy works, including contribution limits for 2025 and 2026, the three contribution buckets, and how to convert after-tax funds into tax-free growth.

Key Points:
• Solo 401(k) is available to self-employed business owners and their spouses with no regular employees
• Contribute as both employee and employer to maximize annual limits
• 2026 employee contribution limit: $24,500 (under 50); employer contribution: 20-25% of earned income
• Super catch-up contributions available: $8,000 (ages 50-59 and 64+), $11,250 (ages 60-63)
• After-tax non-Roth contributions fill the gap to the $72,000-$83,250 annual maximum
• Convert after-tax contributions to the Roth bucket to achieve tax-free growth
• Employer contributions can now be made directly to the Roth bucket (SECURE Act 2.0)
• No income limits apply to Roth contributions inside a 401(k)
• Participant loans available: up to $50,000 or 50% of account balance
• Solo 401(k) can operate alongside a Roth IRA or traditional IRA
• Earnings inside the plan are not subject to annual contribution limits
• 2025 contributions may still be possible if you filed a tax extension

Chapters:
00:03 Introduction and overview
01:30 Who qualifies for a solo 401(k)
03:15 Key benefits and plan components
06:00 Roth contributions and income limits
09:00 2025 contribution limits and deadlines
11:30 2026 contribution limits breakdown
14:00 The three contribution buckets explained
17:00 John's contribution example (age 45 sole proprietor)
19:30 After-tax non-Roth contributions and Roth conversion
21:30 Participant loans overview
22:30 Combining solo 401(k) with IRAs
23:30 Advanta IRA services and plan options
24:30 Closing and contact information

For more information contact us at https://www.AdvantaIRA.com/contact-us/.

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Видео Mega Roth 401(k): Maximize Your Tax-Free Retirement канала Advanta IRA