Traditional to Roth Conversion with DAF Offset

[tr_th13]

I am 33 years old and currently have $215k in my traditional 401k and $40k in my Roth IRA. I max out both every year (backdoor Roth)

$185k...

[JT439]

There have been a lot of changes to retirement plans over the last few months.
I believe that contributing to a non roth solo 401k is still the...

[jnew_win]

Hello All,


I currently have a 401k and DB plan set up through John Hancock. I am not too happy with the advisors and the fees....

[Jarpee]

Hi all,

Have a question for the tax professionals here: I rolled my wife's employed 401k over to a s401k earlier this year. She has a sole...

[MA EM Doc]

Hi All,

Long time listener, first time caller here.

I am a long term (>15 y) EM doc. I have been a w-2 employee my entire...

[kemi119]

Hello,

My employer offers an After-Tax contribution to our 401k. This is in addition to our ( pretax or Roth) contribution. The After-tax...

[JT439]

I have about $600k in assets spread across retirement (individual 401k, Roth IRA, etc) and taxable brokerage accounts. I'm adding around $100k a year...

[newbodyrad]

I'm not sure which category this best fits, so hopefully this is the right spot. I just completed residency this year, and we ended up walking away with...

[djoseph]

I have a solo practice with 1 fulltime employee and 2 part time employees (less than 1000 hours a year). Could I use a professional service organization...

[Theneuron]

Hi, I am soon transitioning from residency to attending salary in 2023.i expect to be over
My spouse (non-physician) has a 401K with over 10k...

[dermres120]

Hi all,

I'm looking for recommendations regarding a TPA to help setup/manage a solo 401k that allows MBDR.

I currently have...

[JimmyH]

Dear All,

After I finished my medical training, an “advisor” rolled over my Pretax-retirement account directly to a ROTH IRA account....

[MyMichTime]

I am 31 years old and 3 years out of residency as a general pediatrician making $230k/year. Since starting with my current employer I have been contributing...

[Arupp01]

I have been searching the internet but could not find an answer to the scenario below and was wondering if anyone had any insight.

Lets say...

[firedoc]

Hi,

I am currently a resident and have a non-matched 401k (technically 403b) at my institution. I can contribute to Roth, traditional, or...

[GT90]

Hello - I have been researching my employer provided 401k options and have some questions regarding the fees that are associated with them.
...

[DaBears38]

Thanks everyone in advance for the feedback. I know this is another BDR thread… I searched the forum, but did not have any luck finding my exact situation....

[hoosier]

Due to a corporate buy-out I am being forced to move a small 401k amount from my prior employers 401k plan.
My only options are;
1. Cashout...

[bellewroy]

Questions regarding a unique situation:

TL;DR:
I am contemplating how to best handle a signing bonus while reducing the tax burden....

[Sauceboss]

Hi! I have an old SEP IRA at Vanguard with about $180k that I would like to rollover into my solo 401k with Etrade so I can start to make Backdoor Roth...

[TheIBDologist]

I just came accross this article from WSJ:

https://www.wsj.com/articles/retirem...egy-it-might-n...

[MDABC]

Hi all,
I have part-time w2 income and 1099 income. My W2 employer does not offer retirement plans. My thinking was that an individual 401k is my...

[plancksconstant]

Hi all:

My wife and I are both MDs and starting our attending jobs (hooray!) I've recently written out our investment policy statement,...

[louston2012]

My partner and I are just starting out getting into our personal finances and investments. We do not currently have investment accounts outside of our...

[Fugue]

Going to create a solo 401k for the first time this year and wanted to make sure I had things correct.

(1) With VG now allowing IRA rollovers,...

[Rozo]

Hey everyone, I have 3 questions. The first I think I know the answer to, the second and third I could use more guidance on.

I am about to...

[Ponyo]

Hello WCI community,
I will starting a new job in August 2021 with $470k annual salary. I was hoping to max out my 401k starting out but this employer...

[SteveRad]

I have an old contributory IRA from when I was a resident/fellow that now has 53K in it. 4K was a non-deductible contribution from 1995. I want to roll...

[JT439]

My solo 401k is with Etrade.

I have an S corp.

Somehow I forgot to make my 2020 employee contribution to my 401k.
...

[txpeach2]

Hi all, I've been reading lots of discussions about Custom Solo 401k plans and I'm pretty close to pulling the trigger with mysolo401k and having brokerage...

[BeamOn]

I am changing employers and need to roll assets out of my old employer's plans. At the employer I have a 401k (including employer and employee contributions),...

[Momo]

Hey folks. I keep going back and forth between the backdoor Roth-IRA and maxing out my 403b and 457b. I have the ability to backdoor up to 57K annually...

[Momo]

Hey folks. I keep going back and forth between paying off debt aggressively, investing in my retirement accounts aggressively (can contribute up to 95K...

[ir0nhide]

Hello folks,

I have a question regarding the impact on a Backdoor ROTH IRA in the same year that I am switching employers and moving my existing...

[txortho]

I have a question regarding selecting the most appropriate retirement accounts for my wife and myself. We are both dental specialists in our first year...

[wdeagle]

We currently file separately to save on loan payments with an eventual plan for PSLF (7 years of training, likely academic afterward, ~300 thousand in...

[tmark]

When I opened an individual 401K and roth 401K at Etrade several years ago, I made the mistake of putting individual stocks (Amazon, Netflix, etc) into...

[ambrosia apple]

Hello, my hospital/practice was purchased by another system. Old job had a 401K and the new offers a 403b. They have similar investing options, fees etc....

[Ddoc]

Hello!

I am separating from the Army this June and have maxed out my TSP for the 2020 year with military income ($19,500). I am transitioning...

[Daustin]

I am new to the Forum..so be kind! I now know how much I don't know. All my debts are paid and I am trying to max out my retirement contributions. I...

[djoseph]

Hi, I'm a first time poster and new member. Thanks in advance for your help. I would like to get advice on the most efficient ways of getting to the $56k...

[RIDGEM]

Hey gang,

Please allow me to be real with y'all. I've loved this forum for many years and have learned a ton thanks to y'all's amazing expertise...

[JDF10986]

Hi everyone,

I currently have most of my retirement money invested in target date funds through Fidelity (401K, 403b, and 457). I have spent...

[xilex]

Hi everyone, I'm just starting a job with the University of California system and am trying to understand what options are available to me and the maximum...

[BigMac]

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[SeaBehr]

I'm leaving a former employer who I had a 401k with about $40k in it. I've been reading that it's best to convert it to my IRA which I have with Vanguard,...

[ceejay000]

Hello,

I am a partner in a 3 physician practice and we are trying to figure out how to allocate profit sharing for our 401k plan. I am relatively...

[CobraKai]

Hello, I am new to WCI, getting my finances in order.

I am a military GMO, pulled from residency to perform active duty tours, so i do not...

[Kkhanmd]

Need help, I started a new job. What are my options for moving my old 401K into a low AUM place? My current 401K may dissolve in 6 months, the fees are...

[Future Fire]

Hi all, I am rebalancing and choosing a bond fund for my 403b. My institution offers the options below through Fidelity with no transaction fees. I can...

[litovskyassetmanagement]

Just got this today:
https://401kspecialistmag.com/trader...erisa-lawsuit1

Several things to take away...

[SwitchPool]

Hi all - digging through several forum threads and multiple WCI and other financial blog posts and I still can't figure out my eligibility and maximum...

[EMhustle]

I have a question about maximizing individual 401k contributions in the setting of multiple side businesses with one operating at a loss this year. My...

[ssg0209]

Wanted to gage opinions on a new attending job. I will be moving to a high cost of living area from a low cost of living area. We already have 500,000$...

[vennic]

Could a conversion of a 401(k) to a Roth IRA early (relatively) in a career be more tax efficient in the long term, at least to the point where it would...