A financial services company is trying to help advisors and investors handle a new retirement planning concept.

The retirement services arm of Ameriprise Financial Inc. has come up with seminars and educational materials that explain the new Roth 401(k) programs.

Employers and employees must fund the accounts with income that has been taxed. In exchange, workers may be able to avoid paying federal income taxes on the distributions when they retire and begin getting cash out of their Roth 401(k) accounts.

Ameriprise has come up with a general Roth 401(k) introductory seminar, and 401(k) plan enrollment seminar that includes extra information about Roth accounts, and a Roth 401(k) seminar designed for highly compensated employees.

Other tools include Roth 401(k) handouts and a Web-based calculator that can help employees compare the results of using Roth 401(k) plan accounts and ordinary 401(k) plan accounts.