What is included in the Roth 401k Optimizer: Maximize After-Tax Retirement Wealth?

This template includes guidance, tools, and resources built around this focus: Compare Roth and traditional 401(k) contributions, evaluate mega backdoor Roth opportunities, and build a tax-aware retirement contribution plan.

Is this template free to download?

No, this guide is sold individually at a one-time price. Wingman Pro members ($29/mo or $199/yr) get instant access to all 206 guides in the vault.

What file formats are included?

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Roth 401k Optimizer: Maximize After-Tax Retirement Wealth

Name: Roth 401k Optimizer: Maximize After-Tax Retirement Wealth
Brand: Wingman Protocol
SKU: roth-401k-optimizer
Price: 19 USD
Availability: InStock

What's Inside

This pack turns Roth 401(k) decisions into side-by-side comparisons instead of scattered notes and vague assumptions.

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A Roth 401(k) versus traditional 401(k) break-even tax rate calculator that shows when paying tax now can lead to the stronger after-tax outcome later.
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A mega backdoor Roth 401(k) guide covering after-tax contributions, in-plan conversion mechanics, plan feature checks, and the paperwork questions to ask HR.
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An income-limit comparison that highlights why Roth 401(k) contributions stay available even when Roth IRA income caps shut the front door.
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An employer match tax-treatment explainer so you can separate what lands in traditional buckets from what grows in Roth space.
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An optimal contribution split strategy for balancing pre-tax, Roth, and after-tax dollars based on income, future tax expectations, and liquidity needs.
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Projection worksheets for 20, 30, and 40 years so you can compare compounding outcomes under multiple return and tax assumptions.
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A rollover guide that shows how Roth 401(k) money can move to a Roth IRA at retirement and why the destination account matters.
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A plain-English RMD rule summary covering the pre- and post-SECURE 2.0 landscape so you know which old assumptions are outdated.

Who It's For

Built for workers who want more than generic Roth advice and need a contribution plan that lines up with their actual tax picture.

High earners

You are maxing retirement accounts or getting close and need to decide where the next dollar should go.

Mid-career savers

You expect your future income to rise and want to know whether locking in Roth space now is worth it.

Mega backdoor candidates

Your plan may allow after-tax contributions, but you need to confirm the rules before acting.

DIY planners

You want a framework that helps you compare tax outcomes without guessing or relying on forum threads.

What You'll Achieve

Choose the right tax bucket

Know when Roth dollars are likely stronger than a current deduction and when traditional deferrals still win.

Use more plan capacity

See whether after-tax contributions and in-plan conversions open up extra Roth space beyond the standard limit.

Project retirement outcomes

Run long-range worksheets so your decision is tied to time horizon, not just this year's paycheck.

Reduce rollover confusion

Understand how Roth 401(k) money behaves at retirement and how to avoid common transfer mistakes.

What Buyers Say

“I finally stopped debating Roth versus traditional in the abstract. The break-even worksheet and mega backdoor guide made the choice obvious for my plan.”

Nina R. • engineering manager

Ready to make the next move with more clarity?

Get the Roth 401k Optimizer today and turn a high-stakes retirement choice into a documented plan you can update every year.

Get instant access for $19