Navigating the Backdoor ROTH I get this question all the time. From clients, peers, and I see it constantly online: “How do I do a backdoor Roth if I have a rollover IRA?” That’s why I wanted to build a reference post that covers the mechanics, explains the biggest pitfall (the pro-rata rule), and walks through a real-world example, to show how investors can navigate this question with confidence. If you're short on time, not everyone is up for 2,000 words on backdoor Roths,

This guide expands on our article “ Backdoor Roth IRAs and the Pro-Rata Rule: What Investors Need to Know ”  and is designed to serve as a standalone reference for investors. One of the Most Common Questions: “Can I still do a backdoor Roth if I have a rollover IRA?” Short answer: Yes , but only if you navigate the pro-rata rule  carefully. Below is a 2026-friendly  guide with key limits, deadlines, and a simple step-by-step checklist. What Is a Backdoor Roth IRA? The backdoo

Altruist Wealth Management founder Carson McLean, CFP® , was featured as a guest writer on The White Coat Investor with a new article focused on a question physicians rarely ask out loud: what is a fair price for quality financial advice? In “Flat-Fee Planning for Physicians, and Why the AUM Model Deserves a Second Opinion,”  Carson breaks down why the standard Assets Under Management (AUM) fee model can get more expensive as your portfolio grows, even when your underlying c