Roth 401(k)

Offer your employees another way to save by adding a Roth option to your company’s 401(k).

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What is a Roth 401(k)?

A Roth option for your 401(k) plan allows you and your employees to contribute after-tax earnings toward retirement–and face no additional taxes on those savings or any investment earnings when the money is withdrawn during retirement.

  • How it works

    A Roth 401(k) allows participants to contribute to different types of accounts with different tax benefits; a tax-deferred 401(k) and an after-tax Roth account.

  • Why offer a Roth 401(k)

    Enabling participants to contribute to tax-deferred and after-tax accounts can reduce overall taxes paid over the life of the investment and increase retirement savings.

  • How Fisher Can Help

    Fisher is one of America's top advisory firms with deep experience helping business owners and plan participants utilize a Roth 401(k) to reap the benefits of tax diversification.

Must-See 2-Minute Video

Answers to frequently asked Roth 401(k) Questions

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

Roth 401(k) Benefits

  • Adding a Roth feature enables tax diversification of savings which can reduce overall taxes paid over the life of the investment.
  • A Roth 401(k) is often the only tax-advantaged way for high earning plan participants to save for tax-free retirement income.
  • Roth 401(k) accounts have higher maximum contributions limits than Roth IRAs—$20,500 versus $6,000 for workers under age 50.
  • If permitted by the plan, participants can withdraw Roth 401(k) contributions before retirement tax and penalty-free. It's not a loan either, so no money needs to be paid back.

Tax Diversification Case Study

See how to leverage a Roth 401(k) to reduce reduce taxes and increase retirement savings.

Roth 401(k) Guide

How plan participants can use a Roth 401(k) to create tax diversification

Why Work with Fisher

Fisher redefines what it means to be a partner in retirement by providing superior guidance, unparalleled service and simple and easy program administration.

  • Your Interests First

    Incentive structures that are aligned with your success. No revenue sharing, no kick-backs or commissions. When you do better, we do better.

  • DIFY (Do It For You) Approach

    Our servicing solutions focus on doing everything we can for you. From acting as a single point of contact for your plan to selecting your investments, we provide services that many other advisers can’t or won’t provide.

  • Superior Financial Guidance

    As one of America's top financial advisors, we work with you to build the optimal program and provide ongoing one-on-one financial guidance to maximize wealth generation.

  • Small Business Expertise

    We specialize in small business retirement plans. As a result, we act as your advocate and have the knowledge, resources and clout to champion your needs.

Schedule your free consultation!

One of our 401(k) business specialists would love to talk to you about your company's retirement plan needs.

Additional Resources

  • Maximize Your Retirement Savings

    Save big on your personal taxes with a cross-tested profit-sharing plan added to your company's 401(k).

  • Don't Miss These Extra Savings

    A new tax credit that can be as high as $16,500—which means actual money in your pocket.

  • The Powerful Tax Benefit for Business Owners

    Pay fewer taxes now and save more for your retirement? You need to see this powerful tax deferral strategy.

  • Profit Sharing

    See how one business owner saved over $51,000 a year by switching to a New Comparability Profit Sharing Plan.

  • Safe Harbor

    Find out how this business owner increased his personal annual contribution with a Safe Harbor 401(k) Plan.

  • Cash Balance

    Find out how a business owner saved over $111K in taxes annually and turbo-charged her retirement savings.

  • Cash Balance Plans

    Hear from a small business specialist to learn more about Cash Balance Plans.

  • Tax Savings Guide

    What you need to know to unlock huge savings. This guide features information designed to answer your tax savings questions.

How to use a Roth 401(k) to create tax diversification.
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