Vlogs/Blogs

The Mega Backdoor Roth: A Powerful Strategy for High Earners

Jacob W. Cuthbert, CFP®, AIF®, BFA, CPFA

If you're already maxing out your 401(k) and are still looking for more ways to build tax-free retirement wealth, the Mega Backdoor Roth might be the most powerful strategy you've never heard of. It's not available to everyone, and it does require a specific type of 401(k) plan, but for those who have access to it, it can unlock a significant amount of additional Roth savings each year. Let me walk you through what it is, how it works, and why it's worth paying attention to.

The HSA: The Most Underrated Account in Personal Finance

Jacob W. Cuthbert, CFP®, AIF®, BFA, CPFA

If you have access to a Health Savings Account and you're not taking full advantage of it, you might be leaving one of the best tax benefits available on the table. The HSA is one of the most overlooked accounts in personal finance, and in my opinion, one of the most powerful.Let me walk you through what it is, who qualifies, and why it deserves a serious look as part of your overall financial plan.

The Business Owner’s Personal Financial Blind Spot

Jacob W. Cuthbert, CFP®, AIF®, BFA, CPFA

When the Business Is the Plan—Until It Isn’t

Who Coordinates Your Advisors?

Jacob W. Cuthbert, CFP®, AIF®, BFA, CPFA

The Financial Quarterback Concept

The Retirement Income Paycheck Problem

Jacob W. Cuthbert, CFP®, AIF®, BFA, CPFA

How to Turn a Lifetime of Savings Into a Reliable Retirement Income Strategy

The Retirement Tax Window

Jacob W. Cuthbert, CFP®, AIF®, BFA, CPFA

Why the Years Before RMDs May Be the Most Important Planning Opportunity of Your Life

The Backdoor Roth IRA: What It Is and How to Use It

Jacob Campbell, CFP®

A Backdoor Roth IRA isn’t a special account type that you open, it’s currently a completely legal strategy that allows high earners to make Roth IRA contributions even though they are over the Modified Adjusted Gross Income (MAGI) limit set by the IRS to contribute directly. (IRS, 2026)

Traditional IRA vs. Roth IRA: Which Is Right for You?

Educo Advisor Group

February 23, 2026

If you've ever wondered whether you should pay taxes now or later on your retirement savings, you're not alone. It's one of the most common questions we hear from clients for good reason! The choice between a Traditional IRA and a Roth IRA can have a significant impact on your financial future.

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The content is developed from sources believed to be providing accurate information. The information in this material is not intended as tax or legal advice. Please consult legal or tax professionals for specific information regarding your individual situation. Some of this material was developed and produced by FMG Suite to provide information on a topic that may be of interest. FMG Suite is not affiliated with the named representative, broker - dealer, state - or SEC - registered investment advisory firm. The opinions expressed and material provided are for general information, and should not be considered a solicitation for the purchase or sale of any security.

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