High earners often hit the 401(k) deferral limit early in the year—and then wonder: what’s next? In this episode, Cullen Martin, CFP® breaks down a powerful (and commonly missed) opportunity inside some employer retirement plans: after-tax 401(k) contributions that can be converted to Roth for long-term, tax-free growth (a strategy often called the Mega Backdoor Roth).

If your plan allows it, this strategy can help you move tens of thousands of additional dollars per year into Roth status—and over a career, that can add up to millions in potential tax-free compounding.

Key Takeaways

• Two key limits matter in your workplace plan:
  • The employee deferral limit (what you personally can defer from ...