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Roth IRA Strategies for 2025 and Beyond: Preparing for the TCJA Expiration


  • EVENT DATE:

    Feb 19, 2025

  • PRESENTER(s): Charles K. Montecino

  • 1:00 PM ET | 12:00 PM CT | 10:00 AM PT | 120 Minutes

  • Product Code::TL231



Description

As the Tax Cuts and Jobs Act (TCJA) is set to expire in 2026, Roth strategies are gaining significant attention. However, discussions often focus on generalized advice rather than a detailed fiduciary-level analysis. This webinar will guide you through effective methods to evaluate and implement Roth strategies while asking critical vetting questions to ensure the best outcomes for your clients.

We will also address how these contributions should often be prioritized over taxable account savings and highlight the steps necessary to avoid unintended taxation. Additionally, this course will cover the mega-backdoor Roth strategy and explore the new provisions introduced by SECURE 2.0, which include several updates related to Roth IRA and 401(k) plans. These insights will equip you with practical tools to better assist your clients in navigating these opportunities.

While general guidelines can sometimes lead to suboptimal results, a well-structured analysis can help families avoid unnecessary taxes over their lifetimes. Many individuals face challenges with straightforward Roth contributions due to income limitations. Strategies such as backdoor Roth conversions, once seen as unconventional, are now widely accepted and can provide significant benefits when handled correctly.

 

Learning Objectives:

  • Understand the implications of the TCJA expiring in 2026 on Roth strategies.
  • Identify fiduciary-level analysis methodologies to evaluate Roth IRA/401(k) opportunities effectively.
  • Explore the benefits and risks of strategies such as backdoor Roth contributions and mega-backdoor Roth conversions.
  • Learn the key provisions of SECURE 2.0 related to Roth accounts and their impact on retirement planning.
  • Discover techniques to help clients optimize tax efficiency and avoid unnecessary lifetime taxation.

Key topics covered in this course:

  • The importance of moving beyond rules of thumb in Roth strategy planning.
  • Addressing income restrictions and maximizing Roth contribution opportunities.
  • Key steps to prioritize Roth contributions over other savings vehicles while minimizing tax risks.
  • An in-depth look at the mega-backdoor Roth strategy and its benefits.
  • New SECURE 2.0 provisions and how they affect Roth IRA/401(k) contributions.
  • Practical recommendations for creating tailored, client-focused retirement strategies.

Credits and Other information:

  • Recommended CPE credit – 2.0
  • Recommended field of study – Taxes
  • Session Prerequisites and preparation: None
  • Session learning level: Basic
  • Location: Virtual/Online
  • Delivery method: Group Internet Based
  • Attendance Requirement:  Yes
  • Session Duration: 2 Hours
  • Case Studies and Live Q&A session with speaker
  • PowerPoint presentation for reference

Who Will Benefit:

  • CPA
  • Enrolled Agents (EAs)
  • Tax Professionals
  • Attorneys
  • Other Tax Preparers
  • Finance professionals
  • Financial planners


Speaker Profile:-

Charles K. Montecino, is a Certified Public Accountant and Certified Tax Resolution Specialist. He has significant experience in helping clients solve their IRS problems, and clients say he does it with patience and, as one client put it, “without making me feel dumb.” In 2008 he received the Top Practitioner Award from the American Society of Tax Problem Solvers.

He is also known as “The Tax Problem Solver” because he solves tax problems!

He works with taxpayers that for various reasons find themselves at odds with the Internal Revenue Service.  He regularly works with those that have unfiled returns, unpaid balances, payroll tax issues, innocent and injured spouse issues and those under audit.

He has spent his 40 plus years career in public accounting, and over 35 of them running his own firm. He has been  a tax resolution specialist for over 25 years. He is a licensed CPA in New Jersey and is also a CGMA, Chartered Global Management Accountant. He serves on the Cooperation with IRS Committee and the Cannabis Special Interest Group with the New Jersey Society of CPAs. He is a member of the American Institute of CPAs, New Jersey Society of CPAs, and The American Society of Tax Problem Solvers.

He earned his accounting degree from Rutgers University. When he is not working, he enjoys watching the Philadelphia Phillies, Philadelphia Eagles  and the Rutgers University football team. He also enjoys golfing, fishing, traveling, reading and spending time with his wife, children and grandchildren.

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