Скачать или смотреть Roth 401(k) or Traditional (Pre-Tax): Why Most People Get it WRONG

Traditional vs Roth 401k | Which is Better for Taxes?

Think Roth is only for low earners, and Traditional 401(k)s are always better for high earners? Think again. The real answer depends on future taxes, required minimum distributions, Medicare surcharges, and even what happens when you pass money to your kids. If ignored, these factors can quietly erode your retirement wealth and flexibility.

In this video, I’ll break down why today’s historically low tax rates change the Roth vs. Traditional debate, how RMDs can trap you in higher brackets, how Roth withdrawals can help you avoid costly Medicare IRMAA surcharges, and why Roth accounts are often the smarter legacy to leave to your heirs. You’ll see real-world examples, charts, and calculations showing how the right balance between Roth and Traditional can give you long-term control.

Follow Us for More Financial Insights:
📅 Your Wealth Deserves a Plan. Learn How we Can Help Here: https://bit.ly/4eCNWjm
👍 Facebook:   / pacesferrywealth  
💼 LinkedIn:   / pacesferrywealth  

If you’re saving for retirement or already planning withdrawals, this video is for you. You’ll discover why Roth contributions can protect against future tax hikes, how Traditional accounts can still benefit high earners, and why blending both may be the smartest tax strategy for long-term flexibility. With the right planning, you can keep more money in your pocket and out of the IRS’s.

💡 More Wealth Planning Case Studies:
📌 Claim Social Security Early? Here’s What To Do:    • Claimed Social Security Too Early? Here’s ...  
📌 $2.2M at 62? Retire at 65? Maybe Earlier!:    • $2.2M at 62? Retire at 65? Maybe Earlier!  
📌 3 Big Risks When You Are Retiring With a Pension:    • 3 Big Risks When You Are Retiring With a P...  

Don’t let blanket advice decide your future.
👍 Like, 💬 comment, and 🔔 subscribe for more smart retirement strategies every week.

#retirementplanning #rothira #401k #taxplanning #financialplanning

Paces Ferry Wealth Advisors, LLC is a registered investment advisor (“RIA”) with the U.S. Securities and Exchange Commission (“SEC”). This material is intended for informational purposes only. It should not be construed as legal or tax advice and is not intended to replace the advice of a qualified attorney or tax advisor. SEC registration does not constitute an endorsement of the Firm by the Commission, nor does it indicate that the Firm has attained a particular level of skill or ability. Information presented does not involve the rendering of personalized investment advice but is limited to the dissemination of general information on products and services. This information should not be construed as an offer to buy or sell, or a solicitation of any offer to buy or sell the securities mentioned herein. This presentation should not be regarded as a complete analysis of the subjects discussed. All expressions of opinion reflect the judgment of the adviser as of the date of the presentation and are subject to change.