Hi. I have a nice size 401K with my employer due in large part to a rollover I made when I got a divorce-related payout. If I could do that part over again, I would have opened my own account that wasn't connected with my employer. I'll do that if I leave this job (not something on the horizon), but for now it is what it is. I continue to make pre-tax contributions, though am nowhere near the max, and would like to increase that savings to include the raise that will take effect in January. If I want to do that pre-tax, my only option is the employer 401K, right? Is it worth looking at opening an individually controlled after-tax retirement account, or is that something that only makes sense after you max out the pre-tax? My employer account isn't ridiculously costly, but I am paying more in fees than I would with a low-cost, passively managed fund.