PODCAST EPISODE 303 – Traditional vs ROTH 401k

ByPaul Adams

In Episode 303 of More than Commas, Elijah Fowler talks about the differences between traditional 401(k) and Roth 401(k) retirement plans. He explains that traditional 401(k) contributions are made with pre-tax dollars, providing immediate tax benefits, while Roth 401(k) contributions are made with after-tax dollars, allowing for tax-free withdrawals in retirement. The episode also covers employer matching contributions, withdrawal flexibility, and required minimum distributions (RMDs), highlighting how each option can impact your financial strategy.

—

This Material is Intended for General Public Use. By providing this material, we are not undertaking to provide investment advice for any specific individual or situation or to otherwise act in a fiduciary capacity. Please contact one of our financial professionals for guidance and information specific to your individual situation. Sound Financial LLC dba Sound Financial Group is a registered investment adviser.  Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies.  Investments involve risk and, unless otherwise stated, are not guaranteed.  Be sure to first consult with a qualified financial adviser and/or tax professional before implementing any strategy discussed herein. Past performance is not indicative of future performance. Insurance products and services are offered and sold through Sound Financial LLC dba Sound Financial Group and individually licensed and appointed agents in all appropriate jurisdictions. This podcast is meant for general informational purposes and is not to be construed as tax, legal, or investment advice. You should consult a financial professional regarding your individual situation. Guest speakers are not affiliated with Sound Financial LLC dba Sound Financial Group unless otherwise stated, and their opinions are their own. Opinions, estimates, forecasts, and statements of financial market trends are based on current market conditions and are subject to change without notice. Past performance is not a guarantee of future results.

Avatar photo
Paul Adams

Author

Paul Adams

CEO & Founder

As CEO and founder of Sound Financial Group Paul leads a team of financial professionals dedicated to helping clients define their financial goals then developing unique, tailored strategies to reach them. Paul tells his clients often that they should always make their financial decisions based upon indisputable math and independent scholarship, not based on media hype, hearsay, or trend.

Financial Advisor
Disclosure

Related Posts

  • Podcast Episode 100: The Fallacy of Following Financial Entertainers

    EPISODE SUMMARY In this episode, we talk about the mistake of following the words of financial entertainers, namely, Dave Ramsey, for facts without proper research. We examine why false expectations and over projections as a result of misinformation can be harmful to you financially. In addition, we note that when statements cannot be backed up with proper evidence and critics…

  • Podcast Episode 38: Illusions of Investing Part 4 – The Cost of Investing

    LISTEN HERE EPISODE SUMMARY This episode is part 4 of Investing Illusions. Today’s illusion is about discovering the real cost of investing with a mutual fund. There are so many undisclosed fees and costs that customers are switching over to more transparent solutions. Paul discusses what a cash drag is and why ‘making it up in trade volume’ never, ever…

  • PODCAST EPISODE 313 – Why We Ignore a Powerful Retirement Tool

    In this episode of More Than Commas, we tackle the Annuity Puzzle—why retirees often ignore one of the most recommended financial tools: lifetime income annuities. Cory discusses expert insights from economists like Moshe Milevsky, William Sharpe, and Olivia Mitchell, uncovering the behavioral biases, marketing flaws, and misconceptions that keep people from embracing annuities. We explore their benefits, including guaranteed income…

  • Podcast Episode 50: Todd Matthews Turns the Tables on Paul Adams Part 1

    EPISODE SUMMARY Todd Matthews returns to the Sound Financial Bites studio to turn the tables and interview Paul! He follows up on their in-person interview and gets the background story on Paul’s first foray into investing, lessons learned from his father and how he’s been able to apply those lessons in building Sound Financial Group. WHAT WAS COVERED TWEETABLES “If…

  • Podcast Episode 102: Common Mistakes We Help Clients Avoid, Part 2

    EPISODE SUMMARY In this second episode of a two-part series, Paul and Cory continue to discuss some common money mistakes and offer advice to help you learn from the problems others have faced. They address how people miss the Backdoor Roth IRA, the problems associated with people talking to a product salesperson instead of an advisor, why counting on a…