Roth vs. Pre-Tax: Are You Choosing the Right Strate

From The Retirement Solution by Jon Hicks

May 26, 2026 · 13 min

About this episode

Jon Hicks discusses the debate between Roth and pre-tax 401(k) contributions and the importance of flexibility in retirement planning.

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.   Schedule your complimentary appointment today: RetirementSolutionShow.com   Follow us on social media: YouTube | Facebook | LinkedIn See omnystudio.com/listener for privacy information.

People in this episode

Host: Jon Hicks

Topics covered

Roth contributions
pre-tax 401(k)
retirement planning
tax strategy
income planning

Keywords

Roth
pre-tax
401(k)
retirement savings
tax buckets
Roth conversions
tax outcomes

Mentioned in this episode

Organizations: RetirementSolutionShow.com