Financial Planning20 min read
Backdoor Roth IRA SOP for High Earners
A **backdoor Roth IRA** is a strategy, not a separate account. You make a non-deductible contribution to a traditional IRA, then convert that amount to a Roth IRA. This usually matters when your modified AGI limits or blocks a direct Roth IRA contribution, even though Roth conversions are not income-limited.
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