Ask The Experts: Can I Set Up My Own 401(k)?

Q. If my employer offers only a regular 401(k) and doesnt offer a Roth 401(k), is there a way to set up on my own? I am already maxed out on my regular 401(k), Roth IRA for myself and spouse and Education IRAs and I have an emergency fund. -Sam

A. No!

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Bill Losey, CFP®, CSA, America's Retirement Strategist®, is the resident retirement planning


expert on CNBC’s “On the Money”. He has been named one of America’s Top Financial Planners and is the author of Retire in a Weekend! The Baby Boomer’s Guide to Making Work Optional. He also publishes Retirement Intelligence, a free weekly award-winning newsletter. Bill can be reached online at