Backdoor Roth | Everything You Need to Know

When high earners can’t contribute directly to a Roth IRA, the backdoor Roth can be a valuable strategy. But if you don’t understand the IRS rules, you could create an unexpected tax problem.

In this video, Lance Miller, CFP®, explains the backdoor Roth process step by step, the role of MAGI, and the Pro-Rata and Aggregation Rules that complicate conversions. You’ll also see when a Roth 401(k) may be a smarter fit.

At Compass Wealth Management, we guide clients through complex tax and retirement strategies so they can build wealth with clarity and confidence.

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This material is not intended to be relied on as a forecast, research or investment advice, and is not a recommendation, offer or solicitation to buy or sell any securities or to adopt any investment strategy. The opinions expressed are as of September 22, 2025, and may change as subsequent conditions vary. The information and opinions contained in this material are derived from proprietary and nonproprietary sources deemed by Compass Wealth Management to be reliable, are not necessarily all-inclusive and are not guaranteed as to accuracy. Past performance is no guarantee of future results. There is no guarantee that any forecasts made will come to pass. Reliance upon information in this material is at the sole discretion of the reader. Investments involve risks.