Firm allows for mega backdoor roth but still unclear which one is better between an in-plan Roth conversion versus moving after-tax converted Roth contributions to an IRA. Which one do you recommend?

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I’d go with the Roth IRA, just so it would be one less account to worry about when I ultimately leave the firm.

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F

F

No difference from a tax benefit or contribution limit standpoint so it really just comes down to which offers the better investment options. The Roth IRA will almost certainly have more portfolio options but if you’re just parking the funds in ETFs that track certain indexes (which is what you should be doing), you can likely find suitable options with each account.

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