Jim McGowan Blog Maximize Your Merck 401(k): How the Spillover Election and Roth Conversion Boost Your Retirement Savings Making the Most of your Merck 401(k): How the Spillover Election and Automatic Roth Conversion Work Together By Jim McGowan, CFP® For Merck employees, understanding the details of your 401(k)…Jim McGowanOctober 21, 2025