Yes, if the client does not have access to in service withdrawals they can execute an after-tax 401(k) contribution that is converted to a Roth at their separation of service (retirement, leaving job etc..). Simply enter the after-tax 401(k) contribution into the client plan starting and ending in the same calendar year. Be sure this calendar year coincides with the separation of service.
Can I model an after-tax 401(k) contribution if my client doesn’t have access to in-service withdrawals?
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