📍 Serving Raleigh, Durham, Cary, and North Carolina.
Maximize Every Dollar in Your 401(k)
A 401(k) is one of the most powerful tools for retirement savings, but many employees leave money on the table by not reviewing their plan regularly. We help you understand your plan’s investment options, contribution limits, and potential fees.
A clear review can ensure your 401(k) works harder for you, aligning your investments with your risk tolerance, retirement timeline, and long-term financial goals.
Why 401(k) Planning Matters
For professionals across industries, the 401(k) is a cornerstone of retirement readiness. Careful planning helps you:
Capture your full employer match (free money toward retirement)
Choose investments aligned with your goals and risk tolerance
Avoid unnecessary fees or missed contribution opportunities
Key 401(k) Services We Provide
Employer Match Optimization
Make sure your contributions are set up to capture every dollar your employer is offering. Over time, this “free money” can significantly increase your retirement wealth.
Rollovers & Consolidations
Changing jobs often leaves accounts scattered. We help evaluate rollover options, consolidate accounts where appropriate, and streamline your retirement savings strategy.
Contribution Strategies
From annual IRS limits to catch-up contributions after age 50, we’ll guide you in maximizing your contributions and balancing Roth vs. Traditional options.
Investment Review
401(k) menus can be limited, but careful fund selection still makes a big difference. We analyze your options and align them with your risk tolerance, retirement horizon, and broader portfolio.
Our Review Process
A systematic approach to optimizing your workplace retirement benefits
1
We review your current plan details, contribution levels, investment options, and employer matching to identify optimization opportunities.
Plan Analysis
2
We create a customized strategy that integrates your workplace benefits with your broader financial goals and retirement timeline.
Strategy Developoment
3
We guide you through implementing the recommendations and provide ongoing support to keep your retirement strategy on track.
Implementation
Your 401(k) is a powerful piece of your retirement plan, but it’s only one piece. That’s why we integrate your 401(k) with:
Investment & Wealth Management – aligning your workplace account with outside assets
Retirement Income & Withdrawal Planning – ensuring savings become a reliable paycheck in retirement
Comprehensive Financial Planning – coordinating taxes, estate, and insurance alongside your retirement plan