# Roth vs. 401(k), HSA Withdrawal Strategy & Pension Rollover Advice for $2M–$10M Portfolios

Page: https://stenobird.com/podcast/money-matters-by-allworth-financial-173477/roth-vs-401-k-hsa-withdrawal-strategy-pension-rollover-advice-for-2m-10m-portfolios
Text version: 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
Podcast: [Money Matters by Allworth Financial](https://stenobird.com/podcast/money-matters-by-allworth-financial-173477)
Published: 2026-02-28T13:00:00+00:00
Episode link: http://podcast.moneymatters.com/e/roth-vs-401k-hsa-withdrawal-strategy-pension-rollover-advice-for-2m%e2%80%9310m-portfolios/
Audio file: https://mcdn.podbean.com/mf/web/uq5tqk3rx873ep4s/AWMM2026228_PODCAST_28qv79.mp3
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JSON: 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
Duration seconds: 3288

## Resource

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 questions@moneymatters.com. Download and rate our podcast here.

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## Transcript

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