Roth IRA or 401(k)? Smart Moves for Investors with $1M+ Portfolios

Allworth Financial‘s Money Matters

Allworth Financial

Business, Business:investing, Investing

4.9 • 782 Ratings

🗓️ 3 January 2026

⏱️ 42 minutes

🔗️ Recording | iTunes | RSS

🧾️ Download transcript

Summary

In this episode of Money Matters, Scott and Pat tackle real-world financial planning questions from callers at very different life stages. One listener, with over a million dollars in assets, asks whether he should prioritize his 401(k) or a Roth IRA. The conversation dives into smart strategies for high-net-worth investors, addressing how to balance tax efficiency, retirement goals, and current lifestyle needs. Scott and Pat also explain how financial planning helps clarify trade-offs between spending now and securing your future. Whether you're looking for smarter retirement contributions or long-term portfolio strategy, this episode delivers actionable advice with a conversational tone. Discover how financial planning evolves with your income, assets, and goals. Join Money Matters: Get your most pressing financial questions answered by Allworth's co-founders Scott Hanson and Pat McClain. Call 833-99-WORTH. Or ask a question by clicking here. You can also be on the air by emailing Scott and Pat at questions@moneymatters.com. Download and rate our podcast here.

Transcript

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0:00.0	Hi, it's Scott Hanson here. Patten and I would like to wish you a happy new year.
0:04.5	We are taking this weekend off, so we are gone, but we've got to still have a great show lined up for you.
0:09.8	During the show, we'll take some calls.
0:11.3	We'll uncover some strategies for those with more than a million dollars in assets and quite a bit more.
0:16.8	And if you haven't already, follow us wherever you get your podcasts.
0:19.2	That way the show comes straight to you.
0:25.4	Would you like an opinion on a financial matter you're dealing with? Whether it's about
0:29.3	retirement, investments, taxes, or 401ks. Scott Hansen and Pat McLean would like to help you by answering
0:35.7	your call to join Allworth's Money Matters.
0:38.6	Call now at 83399 Worth. That's 83399 W-O-R-T-H.
0:46.8	Welcome to Allworth's Money Matter, Scott Hanson.
0:49.2	Pat McLean, thanks for joining us.
0:50.9	Myself, my co-host, both financial advisors, decades of experience as working with individuals and families
0:57.2	and been doing this program for three decades as well.
1:02.1	Glad you're joining us as we talk about some current stuff
1:05.4	in the financial markets as well as taking calls.
1:08.5	To join us for our program, if you want to call it, we schedule time in the studio to have a call with you.
1:14.2	I'd love to have the conversation if you'd like to join us.
1:17.0	You can send us an email at Questions at Money Matters.com, or you can call 83399 Worth.
1:25.3	And we're talking with Sam.
1:26.7	Sam, you're with Allworth's Money Matters.
1:29.4	Hey, good afternoon, gentlemen. How are you? Good. How are you doing, Sam?
	...

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