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

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 .

You can listen to Roth IRA or 401(k)? Smart Moves for Investors with $1M+ Portfolios online on Radio and Podcast. Open the player on this page to stream the available audio.

Roth IRA or 401(k)? Smart Moves for Investors with $1M+ Portfolios is an episode from Hanson McClain's Money Matters by Allworth Financial.

This episode is 41:32 long.

This episode was published on Jan 6, 2026.

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