Your Roth Strategy Might Be Too Small 

If you’re a high-income household earning $400K, $800K, or even $1M+ a year, odds are you’ve heard that Roth IRAs are off the table for you. Too much income. Too many limits. Not relevant anymore. 

But that’s only half the story — and it’s costing you long-term control. 

Because while contributions might be capped, your Roth strategy should be growing with your wealth. 

Why Roths Still Matter (Even at High Income Levels) 

Roth accounts aren’t just a beginner’s tool — they’re a powerful piece of a long-term tax and lifestyle strategy when used correctly. 

 They offer: 

• Tax-free growth 

• No RMDs (Required Minimum Distributions) 

• Complete flexibility for ‘work-optional’ income 

• A smarter way to pass on wealth to the next generation 

What Most High Earners Get Wrong 

Many assume Roths aren’t for them because they: 

• Earn above the contribution limit 

• Already max out other accounts 

• Don’t need “another bucket” 

But that mindset keeps them locked in tax-deferred growth that could create a bigger tax bill later. The real advantage? Strategic Roth Conversions. 

Roth Conversions + Backdoor Roths = Your Long Game Moves 

Here’s where the strategy gets good: 

• A Roth conversion allows you to shift money from pre-tax to Roth by paying taxes now (when rates may be lower). 

• A Backdoor Roth is a legal workaround that lets high earners contribute via a non-deductible IRA, then convert it. 

Used intentionally over time, these moves allow you to build a powerful, tax-free income stream for later in life — when you want options, not obligations. 

The Financial Planning Process 

In our planning process, we can build Roth strategy into every plan we see fit— especially for high earners in their 30s–50s who want: 

• Long-term flexibility 

• Work optionality 

• Tax-efficient legacy planning 

If you're planning to live a long, active life (not slow down at 65), Roth dollars become one of your most valuable tools. 

Ready to Restructure Your Roth Strategy? 

Book a Fit Wealth Planning Call if you’re ready to dive deeper. 

The Fit Wealth Show is brought to you by Plan Group Financial, Inc. (PGF) d/b/a Fit Wealth Advisors. PGF d/b/a Fit Wealth Advisors is an investment adviser registered under the Investment Advisers Act of 1940. Registration as an investment adviser does not imply any level of skill or training. This presentation has been provided for informational purposes only and is not intended as legal or investment advice or a recommendation of any particular security or strategy. The investment strategy and themes discussed herein may be unsuitable for investors depending on their specific investment objectives and financial situation. Past performance is not indicative of future results.