Spousal Roth contribution

I have a client where both the working husband and self employed wife are in their 40’s.

The Self Employed wife has a minimal amount of SE Income—less than $2,000 gross. The working husband has W-2 income of over $150k and contributed about $16k of employee contributions to his 401k.

Will the self employed wife qualify for a full $5,500 Roth contribution based on the husband’s wages (even though her SE net income is a small loss)? Thanks



Yes, the wife can make a 2018 spousal Roth contribution using husband’s W-2 income.  The other test is that their 2018 modified AGI is not too high for regular Roth contributions, and it is under the limit as long as they file jointly.



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