.jpg)
The GPM Difference:
"We treat your liquid wealth like a business. We bypass the standard wirehouse model of locking your proceeds into opaque, high-fee mutual funds. Instead, we build a transparent, highly efficient portfolio using a precise blend of low-cost ETFs and individual equities. As an independent, fee-only fiduciary, our mandate is to strip out unnecessary costs and provide true alignment. We operate with real 'skin in the game'—investing our own firm's capital directly alongside yours." - Joe Griffin
Advanced Roth Strategies: Mega Backdoor, Backdoor, & Conversions
Your Path to Tax-Free Compounding in Three Steps:
01
15-Minute Confidential Call
A brief, highly private discussion to review your current income levels, employer retirement plans, and existing pre-tax IRA balances.
02
The Tax & Conversion Diagnostic
We coordinate with your CPA to run the math, checking for Pro-Rata traps and determining your exact Mega Backdoor or conversion capacity.
03
The Wealth Blueprint
We integrate the strategy into your comprehensive financial plan and deploy the capital into a highly efficient, custom investment portfolio designed for decades of tax-free growth.
High income should not disqualify you from tax-free compounding. We help high-net-worth investors and corporate executives navigate complex IRS rules to execute Backdoor and Mega Backdoor Roth strategies flawlessly by integrating them into a comprehensive, multi-year financial plan.
-
Bypass Income Limits: We utilize IRS-approved Backdoor and Mega Backdoor strategies to legally move tens of thousands of dollars into tax-free accounts annually.
-
Pro-Rata Rule Protection: We carefully audit your existing IRA balances and coordinate with your CPA to ensure your conversions do not trigger unexpected, massive tax penalties.
-
Holistic Tax Modeling: Using eMoney Advisor, we project your lifetime tax brackets to execute strategic Roth conversions precisely when your income drops (e.g., early retirement or post-business sale).
The Dilemma: The High-Income Tax Trap vs. Execution Risk
The Execution Risk: You know advanced strategies like the Backdoor or Mega Backdoor Roth exist, but executing them yourself is dangerous. A simple misunderstanding of your company's 401(k) "in-service distribution" rules, or failing to account for existing pre-tax IRAs (the IRS "Pro-Rata Rule"), can trigger an unexpected and massive tax penalty. These maneuvers require precise architectural planning, not guesswork.
The High-Income Tax Trap: Standard IRS rules phase out high earners from contributing directly to a Roth IRA. As a result, successful professionals are forced to park their surplus wealth in fully taxable brokerage accounts. Furthermore, maxing out traditional pre-tax 401(k)s creates a ticking tax time bomb for retirement, when Required Minimum Distributions (RMDs) force you into the highest tax brackets.
The Solution: Proactive Planning & Multi-Year Tax Architecture
We do not execute Roth conversions in a vacuum. Advanced tax strategies require a "Personal CFO" who understands your entire financial ecosystem. Before moving any capital, we build a complete, holistic financial plan:
-
Plan Document Audits: We review your corporate 401(k) summary plan descriptions (SPDs) to verify if Mega Backdoor contributions (after-tax non-Roth contributions) are permitted and structure the exact payroll deductions required.
-
Multi-Year Tax Projections: Utilizing the eMoney platform, we map out your lifetime income, business liquidity events, and future RMDs to identify the mathematically perfect years to execute strategic Roth conversions.
-
Estate & Legacy Coordination: A Roth IRA is one of the most powerful wealth-transfer vehicles in existence. We coordinate directly with your CPA and estate attorney to ensure your tax-free assets are structured to pass efficiently to the next generation.
Request a Roth Strategy Review
A strictly confidential discussion to determine your eligibility for advanced Roth conversions.
100% Fee-Only Fiduciaries
Strict Confidentiality Assured