When most people hear the word Roth, they think of a Roth IRA. However, many are unaware that many employer-sponsored retirement plans such as 401(k)s and 403(b)s offer a Roth contribution option as well. Both pretax and Roth contributions offer unique tax advantages and long-term planning benefits. Understanding the basics of how they work can help you make informed, strategic decisions that align with your financial goals.