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This Web site contains a compilation of more than a thousand consumer finance  columns written by Tony Novak from the 1980s through 2006, updated and reformatted for maximum usefulness today.  New material was added after 2010.

Content is the opinion of the author and does not represent the position of any other person or entity. Information is from sources believed to be reliable but cannot be guaranteed.

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Roth 401(k) now available

originally posted: 11/22/2006  reposted: 2/18/2011 This post has not been recently reviewed or revised by the author and may be out of date. If in doubt, please send a new question or ask for an update.

Q: Do you handle Roth 401(k) plans?

A: Yes, my service provided through Freedom Benefits Association provides advisory support in all 50 states and DC for all types of small business employee benefit plans including the new Roth 401(k) plan option. Although the Roth 401(k) option was legally available on January 1, most companies have only recently begun offering this to customers). If you have an existing plan 401(k) an amendment to the plan document is required. Freedom Benefits no longer prepares 401(k) plan documents because most other financial firms offer this service for free as part of an administrative package. Investment advisory and other services for the employer and employees are available through Freedom Benefits. See for inexpensive small business 401(k) programs. This service is provided by my brother John Novak, one of the nation's leaders in small business 401(k) plans. Freedom Benefits is an independent Registered Investment Adviser not otherwise associated with


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