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What to Do with ADP/ACP Refunds: Personal Finance Aspects
BenefitsLink Message BoardsLink to more items from this source
Mar. 8, 2021

"Has anyone ever seen a document for people getting ADP/ACP refunds that addresses the following critical point: what one does with the refunds will dictate the ultimate impact.

So others can probably write more eloquently (and with more expertise) than me on:

-Availability of deductible pre-tax IRA's

-Availability of current year 401k contributions for you or your spouse to offset

-Availability of Roth IRA contrbiutions (if not over limits)

-Availability of back door Roth IRA contributions

-Simply investing in an after-tax account (capital gains, municipal bonds,etc).

It seems to me that if there were such a document it would go a very very long way.... I could probably write such a thing with all appropriate disclaimers. I could even do a bit of a choose your own adventure (whats your AGI? Are you married? etc)."

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