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Old 05-13-2015, 02:17 PM   #21
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Originally Posted by gauss View Post
Are you suggesting that the following scenario would be allowed under your plan:

First Contribute $6,000 to pre-tax catch-up contributions
Then Contribute $53,000 to after-tax (non-roth) contributions

I was under the impression that DW could not make catch-up contributions until her elective deferral (ie $18,000 pre-tax) has been maxed out.

-gauss
you can do the catch up and regular 401k deferrals at the same time

not sure she can "defer" 53k - 35k of that will have to be matching and/or profit sharing monies
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Old 05-13-2015, 02:19 PM   #22
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for example, one could make 4 $1500 catch ups in jan/feb and (simultaneously) defer $18000/24 bimonthly jan/dec


the plan would have to allow for this of course
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415(c)(1)(a), after-tax, catch-up


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