2026 Strategy Guide

Backdoor Roth Wizard

High earners can still invest in a Roth IRA. Follow this step-by-step guide to do it without penalties.

Step 1: The "Pro-Rata" Check

The most critical mistake physicians make is doing a Backdoor Roth while having existing money in a Traditional, SEP, or Simple IRA. This triggers the "Pro-Rata Rule," making your conversion taxable.

Do you currently have ANY money in a Traditional IRA, SEP IRA, or SIMPLE IRA?