Roth 401k: Smart Moves You’re Missing

Roth 401k contributions can be a powerful tool, but only if you know how to use them wisely. In this episode, Matt shares practical tax strategies for deciding when, why, and how to contribute to a Roth 401k through your employer plan. He covers why your future tax bracket matters just as much as your current one, and an easy trick to start your five-year clock for penalty-free withdrawals. Here’s some of what we discuss in this episode: Roth 401k vs. Traditional 401k: Key differences When it makes sense to prioritize Roth contributions Strategies for managing income fluctuations In-plan Roth conversions and how they work 0:00 – Intro 0:35 –Roth 401k VS. Pre-Tax 401k 2:38 – Tax Brackets & Lifetime Income Bracket 7:39 – In-Plan Roth Conversions 9:14 – Risks of Converting Company Stock 9:37 – The five-year clock Resources for this episode: Maximizing your 401k article: https://perspective6group.com/7-expert-strategies-to-maximize-your-401k/ Other Resources Our website: https://perspective6group.com/ Phone: (952) 225-0333 Email: [email protected] Schedule your no-cost consultation: https://perspective6group.com/start-here/ Essential Financial Guides 5 Ways to Maximize Your Medtronic 401k Plan Guide: https://perspective6group.com/guide/ Stock Compensation Tax Form Checklist: https://perspective6group.com/stock-compensation-tax-checklist/ ESPP: A Comprehensive Guide: https://perspective6group.com/espp-guide/ Check out our other no-cost financial resources here: https://perspective6group.com/resource-center/ Stay Connected Check us out on YouTube: https://www.youtube.com/channel/UCZFSiozlOWNDN0PbgF6HzSA LinkedIn: https://www.linkedin.com/company/perspective-6-group/ Instagram: https://www.instagram.com/medtechwealthadvisor Read our disclosure: https://u.pcloud.link/publink/show?code=XZkBy85ZfCq9xrsUw3uau8CVXYswO7wuJAFX