What’s the contribution deadline for the 2026 tax year?
April 15, 2027. Filing an extension doesn't extend this deadline.
Can I contribute to both a Roth IRA and a 401k?
Yes. The contribution limits are separate. You can max out a 401k at $23,500 and…
What if I’m married and one spouse has no income?
A spousal Roth IRA lets you contribute on behalf of a non-working spouse, as long…
Does the FEIE affect my 401k eligibility?
No. The FEIE exclusion doesn't reduce your 401k contribution eligibility. You can contribute fully to…
Can I open a Roth IRA from Bermuda?
Yes, if you have a US brokerage account. Most major brokers (Fidelity, Vanguard, Schwab) won't…
Roth IRA vs 401k: which one should a Bermuda expat prioritize?
Get the full employer 401k match first (free money). Then fund a Roth IRA up…
Is the backdoor Roth IRA legal?
Yes. It's a legal strategy. The IRS hasn't moved to eliminate it. Just file Form…
What’s the 2026 Roth IRA contribution limit?
$7,000 if you're under 50. $8,000 if you're 50 or older.
Does the foreign earned income exclusion affect Roth IRA eligibility?
Directly. The FEIE reduces your earned income for IRA contribution purposes. If you exclude all…
Can Bermuda residents contribute to a Roth IRA?
Yes, if you're a US citizen with qualifying earned income and MAGI within the limits.…