I could potentially earn less than the top of the phaseout range for a Roth contribution if I make my Dec 401k contribution 100% regular pretax vs Roth 401k. But then I can do a Roth IRA conversion. On the flip side, I could put more into the Roth 401k in Dec, which makes my AGI go up and prevents putting into a Roth IRA. But I could still do a Roth conversion. Thoughts on which direction to go in?

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If you're already in the phase out range, I wouldn't even bother with trying to stay below the complete phase out. Your situation is already complicated. Sounds like you'll want to and have to do the conversion anyway.

And additionally if you're talking about just what to do in Dec, my advice is to stay the course that you decided based on a whole bunch of important factors. What we money you put in for December is presumably marginal and you shouldn't be changing your whole strategy for less than 10% of the year just to stay below the top of the phase out range.

My 2 cents.

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What type of account is your pre-tax in? Make sure it is all 401k types, or your backdoor conversion will be costly.

smart

Those are independent decisions.

You can and should be doing backdoor Roth IRA if you are in any phase out portion.

You would since it's pro rata basis. Before doing backdoor conversion, you will need to move all of your pre tax IRA into a 401k using reverse rollover.

Max the Roth with a backdoor contribution and max the 401k...

On the 401k to IRA comment, I think he is referring to the prorata rule if you do end up using a Backdoor Roth in the future, but that may or may not impact you if your only ever maxing out the new 401k and managing the traditional IRA and Roth.

Again, alot of factors.

Don't forget about maxing HSA contributions if possible

Seconded!

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