Kevin Estes portrait. Smiling and wearing a dark gray suit and black shirt in front of a dark brown background.

Hello, I’m Kevin - a financial planner who helps tech professionals and their families live great lives.

Make yourself at home - we’ll get to the Mega Roth in a moment.

But first - here are some links you may want to save for later.

How to Minimize Lifetime Taxes

Contribute to Pre-Tax or After-Tax?

Love Future You

Now, let’s get on to the Mega Backdoor Roth! 😀

Supercharge wealth.

White lightning bolt graphic.

Are you a high-earning tech employee looking to maximize savings and minimize taxes?

If your employer offers an after-tax 401(k), you might do more with tens of thousands each year.

What’s a Mega Roth?

Most employees think 401(k) contributions are capped at $23,500.

How about nearly triple that?

You may be able to contribute up to $70,000!

That limit includes:

  • other employee contributions,

  • employer matching, and

  • after-tax 401(k) contributions.

Title: "Mega Roth Max" on top. Below it is a table for 2025. Total Deferral Limit of $70,000 less Pre-Tax 401(k) Max $23,500 less Company Match $10,000 equals Mega Roth Max of $36,500.

What’s the benefit?

Converting funds from after-tax to Roth can avoid tax on the growth.

This strategy is especially powerful for high earners looking to:

  • save more,

  • minimize lifetime taxes, and

  • maximize company benefits.

However, the rules are complex - which is where I come in.

Title: "Minimize lifetime taxes?" in white on top surrounded by a teal background. Below it is a photo of someone using scissors to cut a white piece of paper with TAXES written on it. The background is of a light blue wall.

Maximize benefits.

With a deep understanding of tech benefits, I help you:

  • Determine if your 401(k) plan allows a Mega Roth. Not every company does. I’ll quickly assess your options.

  • Calculate your optimal contribution. Ensure you maximize the strategy without over-doing it.

  • Integrate into your broader financial plan. A Mega Roth is just one piece of your long-term strategy.

Photo of Kevin Estes wearing a suit and tee shirt. His right thumb is up and points to "Are you ready?" The background is from the top of a mountain at sunset.

Join the June Q&A. Register here!

Take action now.

Some companies are removing or restricting the Mega Roth option.

If your employer still allows it, now may be the time to lock in years of tax-free growth.

Schedule a free consultation.

Trusted by employees at: