Most investors don’t realize that a Roth 401(k) can more than triple their annual Roth IRA contribution limit. The IRS currently caps Roth IRA contributions at $7,000 (or $8,000 if over 50). If you’re making over $230,000 as joint filers in 2024—you can’t even contribute directly to a Roth IRA.

With a Roth 401(k), you can contribute up to $23,500 in 2025 (or $31,000 if over 50). And unlike a Roth IRA, there’s no income cap preventing you from contributing.

Plus, if you employ your spouse or children in your business, they can contribute to their own Roth 401(k) accounts—creating an even greater opportunity for tax-free retirement savings and legacy planning.

Some 401(k) plans may even allow for additional Roth contributions. Let’s customize a plan that works for you.

📩 Contact us today to explore your options!