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.

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Subscribe to download the white paper:

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    Maximize Your Benefits

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    Minimize Lifetime Taxes

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    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.

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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.

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