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Optimized now, so later takes care of itself.

401(k) strategy•Roth vs. pre-tax•Projections

Retirement planning for accumulators is about the decisions you make today: how much to save, where to save it, and how to optimize your 401(k), IRA, and other accounts. We project your path and make sure every dollar lands in the most tax-efficient place.

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Who it’s for

Professionals decades from retirement who want to know they're saving enough (and saving smart) without obsessing over it.

On the Route Plan

The long ascent

This is the longest stretch of the route, and the one where small decisions compound the most. Steady beats dramatic over thirty years.

See the full Route Plan

What we do

Here's how we help.

01
Pressure-test whether you're on track and what “enough” means
02
Optimize your 401(k): contributions, Roth vs. pre-tax, employer match
03
Coordinate IRAs, HSAs, and taxable accounts into one strategy
04
Model different savings rates and retirement timelines
05
Adjust the plan as your income and goals grow

Questions

Good to know.

Retirement is 30 years away. Why plan now?

Because the decisions you make now compound the most. Getting your savings rate and account mix right early is worth far more than optimizing at the end.

Should I contribute to Roth or pre-tax?

It depends on your current and expected future tax brackets. We model both so your contributions land where they'll do the most good after tax.