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Tax Diversification - what you need to know

When you invest, you don't go all-in on one stock. You diversify. Why should your retirement tax strategy be different? Download our free guide to see how you and your employees can leverage a diversified tax strategy to reduce taxes and increase retirement income.
The Roth 401(k) guide includes:

Difference between a 401(k) and Roth 401(k)
How to use a tax diversification strategy
Leveraging a Roth 401(k) to reduce taxes

Additional Resources

Learn More About Tax Diversification

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Roth 401(k) Frequently Asked Questions

Watch this video to get answers from a Fisher 401(k) Specialist to frequently asked Roth 401(k) questions.

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Roth 401(k) FAQs

Fisher Investments®

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Male Voice: "Hi, I'm Dylan Marks and I am a Retirement Plan Specialist at Fisher Investments. We help small businesses improve their retirement plan for wealth creation—this often includes a Roth component. Here are some common questions we often get asked about Roth."

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A flyout in the lower left corner identifies him as "Dylan Marks, Retirement Plan Specialist".

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"What is the difference between Traditional & Roth 401(k) contributions?"

"Traditional 401(k) contributions are made on a pre-tax basis. This means you don't pay taxes on the contributions until you withdraw them in retirement. The earnings grow tax-deferred."

"Conversely, Roth 401(k) contributions are made on an after-tax basis. This means you pay the taxes on the contributions today, but all earnings are never taxed. When Roth assets are withdrawn in retirement, you do not pay taxes on them."

A green flyout appears from the lower left with the question: "What is the difference between Traditional & Roth 401(k) contributions?"

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"Another question I get: What are the benefits of Roth 401(k) contributions?"

"The main benefit is that the earnings on Roth contributions are never taxed.

"By making a combination of Roth & traditional 401(k) contributions, employees can enjoy both tax benefits today, as well as have access to tax-free income in retirement."

"It's also easy to add a Roth option to your existing 401(k)—your advisor can help you."

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"Another common question is: How do I support my employees when it comes to Roth 401(k) contributions?"

"Plan participants often don't know whether to make Roth or traditional 401(k) contributions. It's important to have an advisor who provides employee education and support to help the employees make informed decisions."

"Here at Fisher we do this proactively by providing group education sessions, as well as one-on-one meetings to help guide employees to achieve their retirement goals."

A green flyout appears from the lower left with the question: "How do I support my employees when it comes to Roth 401(k) contributions?"

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Fisher Investments 401(k) Solutions. © 2021 Fisher Investments. Investing in securities involves the risk of loss. Intended for use by employers and their consultants, considering or sponsoring retirement plans; not for personal use by plan participants.

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