Answer card

Can W-2 physicians do a backdoor Roth?

Generally, yes, if you follow the steps. Physicians whose income is above the Roth IRA limit can make a nondeductible traditional IRA contribution and convert it. The pro-rata rule counts all pre-tax IRA balances, so existing rollover IRAs can make part of the conversion taxable. File Form 8606.

What to check

• Pre-tax IRA balances on Dec 31
• Whether your employer plan accepts roll-ins
• Annual IRA limit (IRS)
• State tax on conversion

Sources

• IRS Pub 590-A
• Form 8606 instructions
• IRS IRA contribution limits

Related guide: Backdoor Roth at Oklahoma City employers.

Last reviewed: October 28, 2026. Educational information only; not tax, legal, or accounting advice. Coordinate with your CPA and attorney. Fees and conflicts: Form ADV Part 2A at https://www.baldwin.financial/disclosures.