Ryan Odom
Ex‑financial advisor; practical tax planning (HSA, 401(k), backdoor/mega backdoor Roth), high-income strategies.
High‑Earners Need Clear Solo 401k & Roth Strategy
Working with an anesthesiologist who made ~$400k in 1099 income in 2025. Expects a similar income in 2026. Lives in Tennesee. Files single. He's received all sorts of conflicting opinions from CPAs on SEP IRAs, solo 401ks, S corp, no S corp, can't contribute to a Roth, can contribute to a Roth, etc so he reached out. Here's a line item of what we've talked about:
Spouse’s 1099 Income? Open Solo 401(k) Retroactively
If your wife/spouse had 1099 self-employment income in 2025: 1.) You can still retroactively open a solo 401k for the 2025 tax year
Choose a Solo 401k Provider Supporting Mega Backdoor Roth
How I use my solo 401k as a 1-person LLC electing to be taxed as an S corp 1.) Open a solo 401k with a provider that specifically supports the mega backdoor Roth strategy. I use Carry. Fidelity/Schwab/Ascensus do not support...
Create Paper Losses with Direct Indexing While Portfolio Climbs
How I use direct indexing in my plan: 1.) Contribute $5K/week to an 80% S&P500, 20% small cap allocation 2.) Gets about $30K - $100K in losses on paper a year, depending on the year while the actual investment still goes up...
Transparency Over Trust: I’ll Prove My Value
I don't share enough proof. Distrust, especially in the AI/social media world, is at an all-time high. And rightfully so. Plus it gets tricky with client confidentiality. If you've ever thought about reaching out I hope to make it the...
Maximize HSA: Early Contributions, S‑Corp Reimbursement, S&P500 Growth
How I use my HSA 1.) Have a high-deductible health plan. I pay $376.65/month (ridiculous) for a plan and my LLC taxed as an S corp reimburses me for this via an accountable plan 2.) Max contribute each year on Jan 1....