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

Page: https://stenobird.com/podcast/money-matters-by-allworth-financial-173477/roth-ira-or-401-k-smart-moves-for-investors-with-1m-portfolios
Text version: https://stenobird.com/podcast/money-matters-by-allworth-financial-173477/roth-ira-or-401-k-smart-moves-for-investors-with-1m-portfolios.md
Podcast: [Money Matters by Allworth Financial](https://stenobird.com/podcast/money-matters-by-allworth-financial-173477)
Published: 2026-01-06T20:25:25+00:00
Episode link: http://podcast.moneymatters.com/e/roth-ira-or-401k-smart-moves-for-investors-with-1m-portfolios/
Audio file: https://mcdn.podbean.com/mf/web/hpuzwycpn33vcbh9/AWMM_202613_FULL_PODCAST_36y7yv.mp3
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Duration seconds: 2492

## Resource

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.

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## Transcript

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