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.
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
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