I can definitely help (thanks for the nod Steve). We do a lot of this. Give me a call and we can talk. I'm not sure how much I can post up here due to FINRA rules...so I'll keep this brief.
Just for those reading, and to make it clear, you can "change" your current 401K that might be in a traditional product, to a Roth, but it must stay where it's at. In order to take your 401K out and transition to another tax qualified account, there must be a "qualifying event" (like termination of employement). So, your options for that 401K would be to leave it as is, change it to a Roth at the same place it's at (basically just changing it's tax treatment), or withdraw the money (not recommended).
So now you're looking at opening a seperate account to save more for retirement and take advantage of the tax benefits.
What I like...keep the 401K, max it out to at least what the employer matches, and maybe put some more in if you're happy with what investments are available to you, the costs/fees, and the performance of the product.
As a supplement, start a personal Roth IRA, and max it out.
To me, that's the basis/starting point of a good retirement plan.
I disagree..the benefit of the Roth is to have tax free earnings when you draw on it when you retire, but 20 years from now I'm sure that will change when the government is desperate for every nickle they can get. Take advantage of the tax savings now in my opinion.
Check out this chart. As much as everyone hates taxes...we're near historical lows right now. The thought process might be that the government needs money, and will continue to need money, and can only increase taxes...but that's an opinion that each person needs to make on their own. No one knows exactly where taxes will be at any point.
(Side note: Have you guys seen the news that the feds are toying with an idea to stop the tax benefits of 401K's, and instead have that money go to the government...that is, they would make it a LAW that every worker in the US has to save money (by sending it to the feds), and the government would then manage that money for you, and return it to you at retirement (isn't that what Social Security is??)...and, they would give it to the social security administration to manage for you (so it really is Social Security again!!). To me, this is just unthinkable.))
If you qualify, ROTH is by FAR the best way to go.
Steps (from Dave Ramsey)
1. Put into your 401k whatever your employer match is
2. Max out your ROTH
3. If you are still not up to 15% of your income, put the balance in your 401k at the office.
I like this.