--- title: "Ep. 25- Roth vs. Traditional at Every Age: Helping Employees Make Smarter Choices" description: Planning for longevity isn’t just about money—it’s about ensuring your future quality of life. Learn how RMC Group can help you plan for retirement. image: https://rmcgp.com/hubfs/RMC%20-%20Podcast%20Blog%20(10).png --- [ ← Back to Blog ](https://rmcgp.com/rmc-podcasts) # Ep. 25- Roth vs. Traditional at Every Age: Helping Employees Make Smarter Choices Written By RMC Group Published on: April 7, 2026 **Categories:** Retirement Plans ![Ep. 25- Roth vs. Traditional at Every Age: Helping Employees Make Smarter Choices](https://rmcgp.com/hubfs/RMC%20-%20Podcast%20Blog%20(10).png) ### **The Right Retirement Account Depends on Where Your Employees Are in Their Career** In this episode of *The Legacy Lab*, Ashley and Megan break down one of the most common retirement planning questions — Roth or Traditional? — by career stage. From younger employees who benefit most from tax-free growth, to peak earners who get more value from upfront deductions, to those nearing retirement navigating SECURE 2.0 catch-up rules, they walk through the full picture. The conversation also covers tax diversification, the Backdoor Roth strategy for high earners, and why the elimination of Required Minimum Distributions from Roth 401(k)s changes the retirement income equation. Whether you're an HR professional, benefits manager, or business owner who sponsors a plan, this episode gives you the framework to help your employees make smarter choices. *Disclaimer: The information in this podcast is general in nature and not intended as legal or financial advice for any person. The right decision for any person depends upon his or her circumstances. We suggest that you consult with your financial advisor, who is familiar with your circumstances, before making any decisions.*     [➡️ Listen on Apple Podcast](https://podcasts.apple.com/us/podcast/the-legacy-lab/id1789614291) [➡️ Listen on Spotify](https://creators.spotify.com/pod/profile/thelegacylab/episodes/Whose-Car-Is-It-Anyway--Understanding-Hired--Non-Owned-Auto-Coverage-e31v8vc)   ## Key Takeaways 1. Why Roth is almost always the right default for younger, lower-income employees 2. How Traditional contributions shine during peak earning years 3. What SECURE 2.0 changed about catch-up contributions for high earners 4. Why the elimination of Required Minimum Distributions from Roth 401(k)s is a game-changer in retirement 5. The Backdoor Roth strategy for employees above Roth IRA income limits 6. Why tax diversification gives employees the most flexibility in retirement 7. How plan design affects the choices your employees can actually make   Other Resources - [Meet with Our Retirement Team](https://rmcgp.com/meetings/tamara-middleton/retirement-team) - Blog: Roth Vs Traditional at Every Age >> [Read Here](https://rmcgp.com/blog/roth-vs.-traditional-at-every-age-helping-employees-make-smarter-choices)   - Blog: SECURE 2.0 Catchups >> [Read Here](https://rmcgp.com/blog/secure-2.0-update-roth-catch-up-contributions-required-for-high-earners-in-2026) - Follow us on social networks at @rmcgp on [LinkedIn](https://www.linkedin.com/company/rmc-group), [Facebook](https://www.facebook.com/rmcgp) and [Instagram](https://www.instagram.com/rmcgp/) ## Related Blog Posts [![Ep. 28 - What Happens if I Live Too Long?](https://rmcgp.com/hubfs/Email%20Headers%20-%20images%20pod.png) ](https://rmcgp.com/rmc-podcasts/ep.-27-what-happens-if-i-live-too-long) ### [Ep. 28 - What Happens if I Live Too Long?](https://rmcgp.com/rmc-podcasts/ep.-27-what-happens-if-i-live-too-long) Planning for longevity isn't just about money — it's about making sure your future quality of life is protected. We spend a lot of time planning for what happens if we die too soon. But what about... [Read More](https://rmcgp.com/rmc-podcasts/ep.-27-what-happens-if-i-live-too-long) [![Ep. 27 - Ten Years of Giving Back: The Story Behind the RMC Open](https://rmcgp.com/hubfs/7-3.png) ](https://rmcgp.com/rmc-podcasts/ep.-28-ten-years-of-giving-back-the-story-behind-the-rmc-open) ### [Ep. 27 - Ten Years of Giving Back: The Story Behind the RMC Open](https://rmcgp.com/rmc-podcasts/ep.-28-ten-years-of-giving-back-the-story-behind-the-rmc-open) Ten years. Two charities. One tournament that started in a rainstorm. Here's why the RMC Open is one of our most meaningful traditions. What happens when a chance encounter on a rainy afternoon... [Read More](https://rmcgp.com/rmc-podcasts/ep.-28-ten-years-of-giving-back-the-story-behind-the-rmc-open) [![Ep. 26 - When Disaster Strikes: Business Interruption Insurance and What Gets Left Out](https://rmcgp.com/hubfs/RMC%20-%20Podcast%20Blog%20(9).png) ](https://rmcgp.com/rmc-podcasts/ep.-26-when-disaster-strikes-business-interruption-insurance-and-what-gets-left-out) ### [Ep. 26 - When Disaster Strikes: Business Interruption Insurance and What Gets Left Out](https://rmcgp.com/rmc-podcasts/ep.-26-when-disaster-strikes-business-interruption-insurance-and-what-gets-left-out) The best time to understand your coverage is always before disaster strikes. This episode is where to start. What happens to your business when disaster forces you to close? Most business owners... [Read More](https://rmcgp.com/rmc-podcasts/ep.-26-when-disaster-strikes-business-interruption-insurance-and-what-gets-left-out) 1004 Collier Center Way #206 Naples, FL 34110 ```json { "@context" : "https://schema.org", "@type" : "BlogPosting", "author" : { "@type" : "Person", "name" : "RMC Group", "url" : "https://rmcgp.com/rmc-podcasts/author/rmc-group" }, "dateModified" : "2026-04-07T09:00:01.853Z", "datePublished" : "2026-04-07T09:00:01.000Z", "headline" : "Ep. 25- Roth vs. Traditional at Every Age: Helping Employees Make Smarter Choices", "image" : [ "https://rmcgp.com/hubfs/RMC%20-%20Podcast%20Blog%20(10).png" ], "mainEntityOfPage" : { "@id" : "https://rmcgp.com/rmc-podcasts/ep.-25-roth-vs.-traditional-at-every-age-helping-employees-make-smarter-choices", "@type" : "WebPage" }, "publisher" : { "@type" : "Organization", "logo" : { "@type" : "ImageObject", "url" : "https://rmcgp.com/hubfs/RMC_Group_Logo_%5BYW.BL.NA%5D.svg" }, "name" : "RMC Group" } } ```