The Back Door

If you don't qualify for the contribution because you make too much money, then that's when the back door makes sense. If you have a ton of after tax contributions into an iray over the years, and then you convert those dollars, then aggregation of prorate rules really come into effect. Imean, i think the benefits far outweigh a little bit of the tax that you will pay, depending on your overall situation. To have compound tax re growth for life.