Many Americans have access to retirement planning through their employers via a 401(k) plan. These employer-sponsored retirement plans simplify saving for retirement in various ways. For years, most plans were traditional, meaning the funds went into your 401(k) account pre-tax, giving you the tax benefit now. Roth 401(k) plans have grown in popularity in recent years, which gives the tax benefit upon withdrawal of funds. While 85% of employer-sponsored plans offer a Roth 401(k) option, only 18% take adv ...