Retirement advisors routinely tell clients to invest in their 401(k) before turning to their Roth IRA. That’s because many 401(k)s offer an employer match on contributions, offering free money just for saving for retirement, often in the range of 3 to 5 percent of the employee’s salary each year. Once workers have raked in all that free money, say advisors, the best strategy is to turn to the Roth IRA and max that out, before turning back to the 401(k) again.