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Wealth Managing Partners, Inc.
1003 Bishop Street, Suite 1240
Honolulu, HI 96813
Phone: 808-954-7055
Fax: 808-954-7069
Email: info@wm-partners.com
Website: www.wm-partners.com
January/February 2026
Roth or Traditional: Considerations for High Earners
The higher your income, the more complicated the options. Generally, deductible IRA and Roth IRA contributions aren't permitted if you have a 401(k)/403(b)/457 retirement savings plan at work.
Individuals with modified adjusted gross income (MAGI) $89,000 and over and married couples filing jointly with MAGI $146,000 and over (in 2025) can't make deductible contributions to a traditional IRA. Roth IRA contributions ignore workplace retirement plans, but singles and those married filing jointly become ineligible with MAGI of $165,000 and $246,000 (respectively for 2025) or more. But if your employer's plan lets you choose between a traditional or Roth employee retirement savings plan, these contributions aren't subject to any income limitations. So how do you choose? Here are some things to consider with your trusted professional.
- Your current and future tax situation
- Nonretirement investments
- A Roth conversion if you're nearing retirement
- Splitting retirement plan contributions between traditional and Roth accounts
- Starting this year, high-income retirement plan savers over 50 years old must make any employee deferral catch-up contributions as a Roth contribution
Securities offered through Registered Representatives of Cambridge Investment Research, Inc., a Broker/Dealer, Member FINRA/SIPC. Advisory services offered through Cambridge Investment Research Advisors, Inc., a Registered Investment Advisor. Cambridge and Wealth Managing Partners, Inc. are not affiliated.
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