Backdoor Roth IRA for the high-earning surgeon (opens in new tab)

For the modern orthopedic surgeon, financial success is often a byproduct of decades of specialized training and a commitment to clinical excellence.However, this high level of compensation frequently places physicians in a unique tax position: their income exceeds the thresholds for many traditional wealth-building tools, most notably the direct Roth IRA contribution. While the IRS effectively “locks the front door” to these tax-free accounts once a certain income level is reached, a more so...