Roth 401k: Smart Moves You’re Missing

Emily Peterson profile picture By Emily Peterson•MedTech•READ TIME: 2 Min
Episode 41 Transcript

Listen to Roth 401k: Smart Moves You’re Missing

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Roth 401k contributions can be a powerful tool, but only if you know how to use them wisely. In this episode, Matt shares practical tax strategies for deciding when, why, and how to contribute to a Roth 401k through your employer plan. He covers why your future tax bracket matters just as much as your current one and an easy trick to start your five-year clock for penalty-free withdrawals.

Matt also breaks down in-plan Roth conversions, hidden risks like converting company stock, and why a dynamic, ongoing strategy beats a “set it and forget it” approach. If you’re serious about maximizing your retirement savings while minimizing future taxes, this episode offers actionable tips to help you make smarter decisions at every stage of your career.

Key Topics We Discuss: 

🧠 Roth 401k vs. Traditional 401k: Key differences

💰 When it makes sense to prioritize Roth contributions

📉 Strategies for managing income fluctuations

🔁 In-plan Roth conversions and how they work

0:00 – Intro

0:35 –Roth 401k VS. Pre-Tax 401k

2:38 – Tax Brackets & Lifetime Income Bracket

7:39 – In-Plan Roth Conversions

9:14 – Risks of Converting Company Stock

9:37 – The five-year clock

Resources for Roth 401k: Smart Moves You’re Missing

Maximizing your 401k article: https://perspective6group.com/7-expert-strategies-to-maximize-your-401k/

Additional Resources

📞Phone: (952) 225-0333

📧 Email: [email protected]

📚 Essential Financial Guides

📌5 Ways to Maximize Your Medtronic 401k Plan Guide: https://perspective6group.com/guide/

📌Stock Compensation Tax Form Checklist: https://perspective6group.com/stock-compensation-tax-checklist/

📌ESPP: A Comprehensive Guide: https://perspective6group.com/espp-guide/

📌Check out our other no-cost financial resources here: https://perspective6group.com/resource-center/

About Matthew Nelson

Matt has over 20 years of experience in the financial services industry. He is passionate about helping MedTech professionals maximize their benefits, reduce their taxes, and plan for financial freedom. As the Founder, Managing Partner, and Senior Financial Advisor at Perspective 6 Group, he leads a team of dedicated professionals. The team provides comprehensive and personalized financial planning and investment management services to our clients.

As a CERTIFIED FINANCIAL PLANNER™ (CFP®), Accredited Investment Fiduciary® (AIF®), and Equity Compensation Associate (ECA) Matt specializes in helping our clients navigate the complex and evolving landscape of equity compensation, financial independence, portfolio management, and income tax minimization. Further, he leverages his experience as a private equity investor at Focus Financial Network, Inc., to offer strategic insights and guidance on business succession, valuation, and exit planning. Matt’s mission is to empower our clients to achieve their financial and personal goals with confidence and clarity.

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