How To Do a Backdoor Roth IRA in 2026 (And Avoid the Mistake That Costs $2,000)
If you're a high-income earner, you've probably been told you can't contribute to a Roth IRA. That's only half the story. In this video, I walk through the exact step-by-step process to execute a backdoor Roth IRA in 2026, including the single biggest mistake that turns a tax-free conversion into a taxable event. We cover: The 5-step backdoor Roth IRA process The pro rata rule and how to avoid it A real client example showing how to clear the tax trap Three solutions to protect your conversion Key tips for maximizing this strategy every year Timestamps: (00:00) Why a Roth IRA Matters (01:45) What Is a Backdoor Roth IRA? (02:30) Step-by-Step: How to Execute It (06:45) The Pro Rata Rule (08:45) Case Study: Sarah at Target (10:45) Three Solutions to Avoid the Pro Rata Rule (12:30) Key Tips and Mega Backdoor Roth I'm Bjorn Amundson, a certified financial planner with Quarry Hill Advisors, specializing in helping corporate executives and high-earning professionals navigate complex financial decisions. Need personalized guidance? Schedule an introductory strategy session at quarryhilladvisors.com #backdoorrothira #rothira #financialplanning #taxstrategy #retirementplanning #highincomeearners #wealthmanagement
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