Contribute up to $46K/yr additional (beyond $23K deferral) to after-tax 401(k), convert to Roth same-day.
If your employer's 401(k) plan permits (1) after-tax contributions AND (2) in-plan Roth conversion OR in-service withdrawals to Roth IRA, you can contribute up to the full 415(c) limit ($69K in 2024, $76.5K if 50+): $23K employee deferral + employer match + AFTER-TAX contributions filling remainder. Same-day Roth conversion of after-tax means all growth is tax-free forever. Big tech and financial services plans commonly allow this. Ask HR / benefits: 'Does our plan allow after-tax contributions and in-plan Roth conversions?'
Click Generate advisory deep dive for mechanics, IRC citations, a step-by-step execution plan, a worked numeric example on your profile, costs, risks, and this-week actions.
Public sector + qualifying nonprofit employees stack a 457(b) alongside their 403(b)/401(k) — 2× annual deferral space.
Defer unlimited comp to retirement / future years — bypass 401(k) $23K cap on high-income executives.
Exercise ISOs early (bargain element = AMT) — pay AMT credit, get long-term cap gains + recover AMT in future.
Elect §83(b) within 30 days of restricted stock grant — pay tax on ~$0 value, all future growth is capital gains.
Contribute max to §423 ESPP with 15% discount + 6-month lookback = ~26% annualized risk-free arb.
10b5-1 trading plan lets executives sell during blackouts; costless collar protects downside with no cash outlay.
Take unpaid sabbatical year — convert Traditional IRA to Roth at 12/22% bracket vs 32/35% working years.
HSA is the ONLY triple-tax-advantaged account: deductible in, tax-free growth, tax-free out for medical.