Traditional vs. Roth 401(k) – Scott Fisher, CFA®, CFP®, Waverly Seattle
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.
To Reach Scott:
Email: [email protected]
Phone: 206.537.5935
Waverly Advisors’ Seattle, Washington Office: https://waverly-advisors.com/offices/seattle-wa/
450 Alaskan Way S,
Suite 500, Seattle,
WA 98104
For important disclosures, please visit:
https://waverly-advisors.com/otherimportantdisclosure
Video recorded on: Monday, December 22, 2025
Music Credit:
Song: Olif — Be Yourself
Music provided by Vlog No Copyright Music.
Video Link: https://bit.ly/3u2ON9O