---
title: Mark Zaifman|Money Matters Blog | Backdoor Roth IRA
description: Backdoor Roth IRA | Articles on Investing, Retirement Planning, Cash Flow Planning and Tax Planning
---

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# MONEY matters

Mark Zaifman's thoughts on money, global economic trends and politics

##### [Update: Tax Planning Techniques & the Rise of the Backdoor Roth IRA](https://www.spiritusfinancial.com/blog/update-tax-planning-techniques-the-rise-of-the-backdoor-roth-ira)

** [Mark Zaifman](https://www.spiritusfinancial.com/blog/author/mark-zaifman)   |   ** Tue, Mar 21, 2017 @ 02:59 PM

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[![](https://www.spiritusfinancial.com/hubfs/sunset%20orcas%20kayaks.jpg) ](https://www.spiritusfinancial.com/blog/update-tax-planning-techniques-the-rise-of-the-backdoor-roth-ira)

I wrote this blogpost, [***Tax Planning Techniques & the Rise of the Backdoor Roth IRA* **](https://www.spiritusfinancial.com/blog/bid/114418/Tax-Planning-Techniques-and-the-Rise-of-the-Backdoor-Roth-IRA)a couple years back due to the intense interest from many clients about the Backdoor Roth IRA tax planning technique. It’s a bit surprising this savvy technique has not been shut down. It’s of course entirely legal and perhaps could be called a tax loophole. That said, as long as this option is available, why not take advantage of it? Tax planning at its core is about deferring taxes to a later date and or minimizing your current tax liabilities.

[Read More   **](https://www.spiritusfinancial.com/blog/update-tax-planning-techniques-the-rise-of-the-backdoor-roth-ira)

** [tax planning](https://www.spiritusfinancial.com/blog/topic/tax-planning), [Backdoor Roth IRA](https://www.spiritusfinancial.com/blog/topic/backdoor-roth-ira)

##### [Tax Planning Techniques and the Rise of the Backdoor Roth IRA](https://www.spiritusfinancial.com/blog/bid/114418/tax-planning-techniques-and-the-rise-of-the-backdoor-roth-ira)

** [Mark Zaifman](https://www.spiritusfinancial.com/blog/author/mark-zaifman)   |   ** Mon, Mar 25, 2013 @ 02:44 PM

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[![](https://www.spiritusfinancial.com/hs-fs/file-25075331-jpg/images/back_door.jpg) ](https://www.spiritusfinancial.com/blog/bid/114418/tax-planning-techniques-and-the-rise-of-the-backdoor-roth-ira)

The Roth IRA has been one of the best tax planning techniques to come out of Washington, DC in a very long time. But because the Roth comes with income limit eligibility limitations; (*maximum income for singles in *2017 - $133,000 *) and (*maximum income for married couples - $196,000 *), lots of high income earners have been unable to take advantage of this option.  **These dates and figures have been updated for 2017.*

Like many of you, including yours truly, that have already received loads of info about the ‘backdoor Roth IRA’ from tax planning firms or your CPA, below is a consolidation of the best of the best that I have received recently on this topic. All due credit belongs to the numerous sources that kindly sent me info about the new ‘tax kid’ on the block - ***the backdoor Roth IRA**** - thank you!*

[Read More   **](https://www.spiritusfinancial.com/blog/bid/114418/tax-planning-techniques-and-the-rise-of-the-backdoor-roth-ira)

** [tax planning](https://www.spiritusfinancial.com/blog/topic/tax-planning), [retirement planning](https://www.spiritusfinancial.com/blog/topic/retirement-planning), [Backdoor Roth IRA](https://www.spiritusfinancial.com/blog/topic/backdoor-roth-ira)

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