Episode
Roth vs. 401(k), HSA Withdrawal Strategy & Pension Rollover Advice for $2M–$10M Portfolios
- Published
- Feb 28, 2026
- Duration seconds
- 3288
- Processing state
not_requested
Actions
POST https://stenobird.com/v1/public/podcasts/money-matters-by-allworth-financial-173477/episodes/roth-vs-401-k-hsa-withdrawal-strategy-pension-rollover-advice-for-2m-10m-portfolios/transcription-requests
Idempotently request low-priority transcript generation for this episode.GET https://stenobird.com/podcast/money-matters-by-allworth-financial-173477/roth-vs-401-k-hsa-withdrawal-strategy-pension-rollover-advice-for-2m-10m-portfolios.md
Read the agent-friendly Markdown representation of this episode resource.
Summary
In this episode of Money Matters, Scott and Pat walk through smart decisions around Roth vs. pre-tax savings, pension lump sums, and when it actually makes sense to use your HSA. They help a high-earning family think through life insurance gaps and special needs planning, guide a soon-to-be retiree through a $1 million pension decision, and revisit a multi-million-dollar couple debating whether to spend or preserve a large HSA. From tax diversification to retirement income strategy to how certain accounts are treated at death, this episode shows the difference between surface-level investing and true financial planning for $2M+ portfolios. 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 [email protected]. Download and rate our podcast here.