Traditional vs. Roth 401(k) – Scott Fisher, CFA®, CFP®, Waverly Seattle
Scott Fisher, CFA®, CFP®
February 12, 2026
In this video from Scott Fisher, CFA®, CFP®, Institutional and Retirement Plan Advisor in the Seattle, Washington office of Waverly Advisors, LLC, he discusses the key differences between Traditional and Roth 401(k) contributions—and why most individuals may benefit from having both types of savings as they move through different stages of their career.
Scott explains how each contribution type works, how tax treatment differs, and why factors like income level, timing, and retirement goals shape whether pretax or after-tax contributions may be more appropriate. He also covers the five-year Roth rule, strategies for building flexibility before retirement, and how Traditional and Roth balances can work together to support both steady income and one-time expenses in retirement.
This brief educational video is designed to help you understand how to use your workplace retirement plan more effectively and make informed decisions about long-term planning.
Music Credit:
Song: Olif — Be Yourself
Music provided by Vlog No Copyright Music.
Video Link: https://bit.ly/3u2ON9O
IMPORTANT DISCLOSURES
The information presented in this document is for general informational and educational purposes and is not specific to any individual’s personal circumstances. Nothing in this document constitutes, or shall be relied upon as, investment, legal, or tax advice to any person. The information in this document is provided effective as of the date of its publication, does not necessarily reflect the most current status or development, and is subject to revision at any time. Investing involves risk, and past performance does not necessarily predict future results. None of Waverly, or any of its officers, members, or affiliates, in any way warrant or guarantee the success of any action that anyone may take in reliance on any statements or recommendations in this document.
Waverly Advisors, LLC (“Waverly”) is an independent investment adviser registered under the Investment Advisers Act of 1940, as amended. Registration does not imply a certain level of skill or training. More information about Waverly, including investment strategies, fees and objectives can be found in Waverly’s ADV Part 2A Brochure and Form CRS (Customer Relationship Summary), available at https://waverly-advisors.com/.
You should not assume that any information provided serves as the receipt of, or as a substitute for, personalized investment advice from Waverly. This information should be used as a reference only.
Scott Fisher joined Waverly Advisors in September 2025 and serves as Institutional and Retirement Plan Advisor following the acquisition of Pacific Portfolio Consulting, LLC. As an Institutional and Retirement Plan Advisor, Scott works with businesses, organizations, and retirement plan sponsors to design, implement, and manage retirement plans. Scott provides fiduciary guidance, support investment oversight, and help plan participants make informed decisions to achieve long-term financial security.
