Should all your retirement savings go into Roth—or is that strategy missing the bigger picture? In this episode, Jon Hicks breaks down the debate between Roth and pre-tax 401(k) contributions, explaining why flexibility—not extremes—can play a key role in retirement planning. He explores how different tax buckets work together, the considerations behind Roth conversions, and why focusing only on short-term or long-term tax outcomes can lead to different decisions. The discussion highlights the value of aligning tax strategy, income planning, and long-term goals instead of relying on one-size-fits-all approaches.

 

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