Which option is good to contribute in 401K pre-tax or post tax ? Any tax expert or experienced?

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Never post-tax before pre-tax or Roth.

smart

Depending on your current salary, Roth may make more sense

Can you do post tax before 20.5k in pretax? If so, it is really traditional vs Roth, assuming you plan to convert post tax to Roth right away. Then it depends on your tax bracket now vs your tax bracket when you retire.

PwC offers Roth IRA rollover so you can convert your after tax 401k to Roth IRA

Unless you are at the low spot in your earning life, pre-tax is almost always better. If you are in the first few years of your career and will make a lot more as your career progresses, the post tax might be better.

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