I have a client who has a 401(k) that allows nondeductible contributions. My thought was to recommend nondeductible contributions in addition to his deductible contributions. Then roll the nondeductible into a Roth IRA when he retires. He will retire in four years and is over 59 1/2.

I am not pleased with the 401(k) investment options so would prefer that he make annual nondeductible 401(k) contributions then roll them annually into a Roth IRA. Can that be done if the plan so allows?

Thanks as always …. Mary