The Situation

Beyond the Match

Capturing the full employer match is step one — but the 401(k) has layers beyond the match that most employees never optimize: contribution limits, fund selection, expense ratios, Roth vs traditional designation, and the after-separation rollover decision. Each layer compounds over decades.

The match is the floor, not the ceiling. Most 401(k) plans contain both the most and least efficient investment options in an employee's financial life simultaneously.

— Worthune Decision Framework

• You contribute enough to capture your employer match but haven't reviewed your fund selections
• You're unsure whether your 401(k) contributions should be traditional pre-tax or Roth after-tax
• You have old 401(k) accounts from previous employers that haven't been addressed