I have a simple question that I can’t find the answer to seemingly anywhere.  If a client has a $1M IRA are they eligible to participate in their qualified plan’s Mega Backdoor Roth at their company?  Doesn’t the Pro Rata rule apply separately to qualified plans and personal IRA’s and Roth’s or is an IRA anywhere disqualifying for a mega backdoor Roth?  Thanks in advance to those who know the answer to this.