Physician Family Financial Advisors
Physician 401k, Right or Roth?

Physician 401k, Right or Roth?

401k physician 401k physician family advisors physician retirement retirement roth roth backdoor ira tax decisions Apr 19, 2023

What do neurosurgeons and otolaryngologists have in common? Beyond the polysyllabic nature of their titles, they are both high earning physicians AND four out of five of them are making a BIG tax mistake with their 401ks.

Specifically, they’re choosing the Roth 401k, not the right one or the “Traditional” 401k.

Listen in as Ben and Nate walk through the basics and build on them to arrive at the ultimate cost of this often overlooked decision. Hint: It’s WAY more than you think.


  • [2:15] What does Roth mean? 
  • [3:41] Why would a physician not use a Roth?
  • [6:30] How do you choose which contributions to make? 
  • [11:32] Ben gives an example of someone’s situation with traditional vs. Roth programs.
  • [14:44] How to approach state taxes now vs. later.
  • [16:54] What is the mega Roth backdoor IRA?



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Physician Family Financial Advisors Inc., a registered investment advisor, has reasonable belief that the information and content as a whole does not include any false or materially misleading statements or omissions of facts regarding services, investments, or client experience. Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies.  Investments involve risk and, unless otherwise stated, are not guaranteed. Information expressed does not take into account the specific situation or objectives of individuals and is not intended as recommendations appropriate for all individuals. Listeners are encouraged to seek advice from a qualified tax, legal, or investment adviser to determine whether any information presented may be suitable for their specific situation.  Past performance is not indicative of future performance.

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