Episode 6 of 6
The Unified Financial Architecture
Dan and Dana finally build their coordinated plan: optimized 401(k) allocations, mega backdoor Roth, deployed cash, and a shared timeline. The integrated model reveals the cumulative value of one Saturday of financial coordination.
Key Insight
Their coordinated plan — mega backdoor Roth, optimized tax allocation, deployed idle cash, and backdoor Roth IRAs — adds $542k in projected after-tax retirement wealth over 20 years vs. their uncoordinated status quo. The annual value of getting organized: $27,100 in optimizations they were leaving on the table.
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