Ever wonder if your employer's 401(k) match can grow tax-free like your Roth contributions? You’re not alone, and thanks to a recent law change, the answer might surprise you.

In this episode of Make It Personal, we tackle a smart question from Jennifer about how employer contributions work when you’re saving into a Roth 401(k). For years, the rules were straightforward: your contributions could be Roth, but your employer's match? Always pre-tax. But with the SECURE 2.0 Act, the game has changed, and many people don’t realize what’s now possible.

Key takeaways:

→ Employer matches used to only go into traditional 401(k)s, now they can go into Roth if your plan allows.

→ Roth matches are taxed upfront but can grow tax-free, just like your own Roth contributions.

→ Many employers haven’t adopted the new option yet, it’s not automatic.

→ The tax treatment of your match can have ripple effects on your future income, RMDs, and Medicare costs.

→ If Roth matching isn’t available, other tools like Roth IRAs, backdoor Roths, or cash-value life insurance might help.

“Retirement planning isn’t just about checking boxes in your 401(k). It’s about understanding your options, and having a strategy when the plan rules don’t give you every tool you want.”

If this episode sparked questions about your own plan, hit subscribe and share this episode with a friend. And if you’re ready for a personalized review, reach out to your Mutual of Omaha advisor to design a retirement strategy that fits your future.

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Investing involves risk, including loss of principal.

This podcast is for educational purposes only and may include references to concepts that have legal and/or tax implications. Mutual of Omaha Investor Services, Inc. does not provide tax or legal advice. Please consult with the appropriate professional regarding your personal situation prior to making any financial decisions. Strategies discussed may not be suitable for everyone. Securities and advisory services offered through Mutual of Omaha Investor Services, Inc. Member FINRA/SIPC. Mutual of Omaha Advisors is a division of Mutual of Omaha Insurance Company.