Chris Lopez is joined by Equity Trust’s John Bowens to close out 2025 and prep smart moves for 2026 using self-directed retirement accounts. John walks through contribution and conversion timelines for IRAs, Roth IRAs, HSAs, and Solo 401(k)s, explains the seven-day payroll rule for S- and C-corps, and shares practical strategies like spousal IRAs, backdoor Roths, staged Roth conversions over two tax years, and maximizing early-year compounding. The conversation also covers 2026 limit increases, Solo 401(k) employer vs employee buckets, and the Secure Act 2.0 tax credit for new plans.

Key Takeaways

Roth conversions must post by Dec 31 for the current tax year

Previous-year IRA and HSA contributions allowed until Apr 15 if not on extension

Solo 401(k) employee deferrals for S- and C-corps must be deposited within seven days of payroll

Sole proprietors can set up and fund a Solo 401(k) for the prior year by Apr 15

Use spousal IRAs and backdoor Roths to maximize annual limits

Stage conversions across two years to manage tax brackets while starting compounding sooner

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