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The Roth IRA is an individual plan; the Roth 401K is an employer's plan.

If you are an individual, the Roth IRA is your only choice. The Roth 401k is not available to you.

If you own your own business and especially if you have employees, you have many options. One is a Roth 401k, but there are others such as Keogh plans. In that case, perhaps others can advise. But your tax man or CPA should be a useful advisor. Fidelity and Vanguard offer such plans, but usually only for large employers. Smaller employers have fewer choices.
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