Know whether to unlock the Mega Backdoor,
with your hourly partner.

I’m Kevin Estes, CFP®, CCFC, MBA - a financial planner who helps tech professionals and their families live great lives.

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

Request a free intro call.

  • White graphic of eight arrows pointing out from a center, forming a circle.

    Maximize Your Benefits

  • White graphic of scissors cutting a piece of paper.

    Minimize Lifetime Taxes

  • White graphic of a circle with an arrow and a dollar sign in the middle.

    Only Pay For What You Need

What’s a Mega Roth?

Employee 401(k) contributions are usually capped at $23,500 for 2025.

You might nearly triple that to $70,000 with:

  • pre-tax / Roth,

  • employer matching, and

  • after-tax 401(k) contributions.

The after-tax funds are then converted to Roth.

Title: "Mega Roth Example" 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.

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 the benefits, I help you:

  • determine if your 401(k) plan allows a Mega Roth,

  • calculate your ideal contribution, and

  • optimize the investments to help you achieve your goals.

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.

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.

Trusted by employees at: