While the Roth 401(k) plan option was enacted back in 2001 and has been available since January 1 of this year, advice over whether to jump on the Roth 401(k) bandwagon remains hard to give.Detailed rules on contributions, operations and distributions for Roth 401(k) plans have been slow in coming. Proposed reliance regulations on contributions weren't released until this past December; reliance regs on distributions weren't out until January.

Suddenly, many tax practitioners are overwhelmed by too much detail on some aspects of the Roth 401(k), rather than not enough. Nevertheless, they remain unsure about how to translate all that information into a basic "go" or "no-go" recommendation for clients. To that end, let's look at some details and draw some conclusions in the process.

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