The Problem:
High-income W-2 earners face a severe tax drag on their investments. You are locked out of direct Roth IRA contributions due to income limits, and standard 401(k) maximums are entirely insufficient for your savings rate. This forces your excess capital into taxable brokerage accounts, subjecting your growth to constant capital gains and dividend taxes.
The Solution:
The Mega Backdoor Roth is one of the most powerful tax shelters available to high-income earners. If your employer's plan allows for after-tax contributions and in-service withdrawals, we can help you shelter up to an additional $46,000 annually in tax-free growth. We navigate the complex IRS testing rules, manage the conversion mechanics, and prevent the accidental taxable events that occur when this strategy is executed improperly.
The GPM Difference:
We do not just execute the conversion; we manage the underlying capital. As an independent fiduciary, we invest your tax-sheltered assets into individual, competitively advantaged equities designed for long-term compounding. We invest our own money in the exact same positions.
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Next Steps:
01
15-Minute Intro Call
A brief discussion regarding your income profile and current employer plan.
02
Plan Document Review
We analyze your 401(k) Summary Plan Description to verify your eligibility for the strategy.
03
Execution & Management
We guide the conversion process and deploy the capital into a long-term growth portfolio.
