Retirement Planning
401(k) Optimization: Upgrade Your Retirement Savings With Confidence
401(k) Optimization: Upgrade Your Retirement Savings With Confidence
Stop guessing with your 401(k). Learn how to capture every match, optimize Roth vs. pre-tax, cut fees, and automate growth for retirement success.
Stop guessing with your 401(k). Learn how to capture every match, optimize Roth vs. pre-tax, cut fees, and automate growth for retirement success.
401(k) Optimization: Stop Leaving Free Money on the Table and Start Building Real Wealth
Be honest — does your 401(k) feel more like a mystery than a money machine?
You’re not alone. Most people guess their way through the menus, or worse, avoid decisions altogether. That’s why billions get wasted every year in missed matches, hidden fees, and sloppy allocations.
Here’s the ugly truth: if your 401(k) isn’t set up right, you could lose tens of thousands of dollars over your career. Money that should be yours. Money that should be compounding right now.
The good news? Fixing it is a lot simpler than Wall Street wants you to believe.
The Cost of Guessing With Your 401(k)
If you’ve ever felt overwhelmed, it’s not your fault. The system is built to confuse you.
Here’s where most people go wrong:
Not contributing enough to capture the full employer match (aka free money).
Treating “Roth vs. pre-tax” like a coin flip instead of a strategy.
Paying hidden fees that eat away at growth.
Forgetting about old 401(k)s from past jobs.
Setting it once and never rebalancing, letting risk spiral out of control.
It’s not you — it’s the system. But without a plan, the system wins. And you lose.
The CGJ 401(k) Upgrade Plan
At CGJ Financial, we don’t do jargon. We don’t do cookie-cutter advice.
We give you a repeatable, step-by-step strategy that turns your 401(k) from “confusing mess” into a wealth-building machine.
Here’s how we do it:
1. Capture Every Dollar of Employer Match
Your company match is the highest-return investment you’ll ever make. We make sure you’re not leaving a single dollar behind.
2. Choose Roth vs. Pre-Tax With Intention
No more guessing. We’ll show you exactly how each option impacts today’s taxes and tomorrow’s withdrawals. Many plans now offer Roth employer contributions or in-plan Roth conversions — we’ll help you decide when to use them.
3. Right-Size Your Investments & Automate Growth
We cut the overlap, set the right mix for your goals, and turn on auto-rebalance so your strategy stays on track. If your plan allows it, we enable auto-increase so your savings rate grows automatically every year.
Hidden Features Most People Miss
Modern plans — even from big providers like Ameritas — include powerful features most employees never use.
Student Loan Match: Get company match while paying down loans.
Roth Employer Contributions: Tax-free growth for the future.
In-Plan Roth Conversion: Convert strategically when the timing is right.
Managed Accounts: For those who prefer professional help.
Auto-Enroll & Auto-Escalate: Automation that builds wealth without effort.
We review your plan documents, show you what’s available, and help you activate the features that actually fit your life.
Don’t Let Old 401(k)s Collect Dust
Got accounts scattered from past jobs? We help you decide whether to leave it, roll it into your current plan, or move it to an IRA. Each choice has trade-offs — fees, options, protections. We walk you through them in plain English.
Learn more about how we help with long-term strategies here: Retirement Planning.
What It’s Like to Work With CGJ
Clarity First: One-page action plan in plain English.
Freedom of Choice: Use what you already have — no unnecessary products.
Growth With Confidence: Small tweaks, reviewed yearly, that compound into massive results.
The Quick 401(k) Upgrade Checklist
Contribute at least to the full employer match.
Decide Roth vs. pre-tax on purpose (review annually).
Stick with low-cost, diversified core options.
Turn on auto-rebalance and auto-increase.
Use catch-up contributions if eligible.
Consolidate old accounts intentionally.
Update beneficiaries after life changes.
Bottom Line: Small Tweaks, Big Impact
Most people treat their 401(k) like a set-it-and-forget-it account. That’s how they miss free money, overpay in fees, and end up with far less at retirement.
But with the right moves — capturing every match, optimizing Roth vs. pre-tax, cutting overlap, and automating growth — you can turn your 401(k) into a true wealth engine.
Schedule Your Free Consultation and let’s build a 401(k) strategy that actually compounds into real wealth.
401(k) Optimization: Stop Leaving Free Money on the Table and Start Building Real Wealth
Be honest — does your 401(k) feel more like a mystery than a money machine?
You’re not alone. Most people guess their way through the menus, or worse, avoid decisions altogether. That’s why billions get wasted every year in missed matches, hidden fees, and sloppy allocations.
Here’s the ugly truth: if your 401(k) isn’t set up right, you could lose tens of thousands of dollars over your career. Money that should be yours. Money that should be compounding right now.
The good news? Fixing it is a lot simpler than Wall Street wants you to believe.
The Cost of Guessing With Your 401(k)
If you’ve ever felt overwhelmed, it’s not your fault. The system is built to confuse you.
Here’s where most people go wrong:
Not contributing enough to capture the full employer match (aka free money).
Treating “Roth vs. pre-tax” like a coin flip instead of a strategy.
Paying hidden fees that eat away at growth.
Forgetting about old 401(k)s from past jobs.
Setting it once and never rebalancing, letting risk spiral out of control.
It’s not you — it’s the system. But without a plan, the system wins. And you lose.
The CGJ 401(k) Upgrade Plan
At CGJ Financial, we don’t do jargon. We don’t do cookie-cutter advice.
We give you a repeatable, step-by-step strategy that turns your 401(k) from “confusing mess” into a wealth-building machine.
Here’s how we do it:
1. Capture Every Dollar of Employer Match
Your company match is the highest-return investment you’ll ever make. We make sure you’re not leaving a single dollar behind.
2. Choose Roth vs. Pre-Tax With Intention
No more guessing. We’ll show you exactly how each option impacts today’s taxes and tomorrow’s withdrawals. Many plans now offer Roth employer contributions or in-plan Roth conversions — we’ll help you decide when to use them.
3. Right-Size Your Investments & Automate Growth
We cut the overlap, set the right mix for your goals, and turn on auto-rebalance so your strategy stays on track. If your plan allows it, we enable auto-increase so your savings rate grows automatically every year.
Hidden Features Most People Miss
Modern plans — even from big providers like Ameritas — include powerful features most employees never use.
Student Loan Match: Get company match while paying down loans.
Roth Employer Contributions: Tax-free growth for the future.
In-Plan Roth Conversion: Convert strategically when the timing is right.
Managed Accounts: For those who prefer professional help.
Auto-Enroll & Auto-Escalate: Automation that builds wealth without effort.
We review your plan documents, show you what’s available, and help you activate the features that actually fit your life.
Don’t Let Old 401(k)s Collect Dust
Got accounts scattered from past jobs? We help you decide whether to leave it, roll it into your current plan, or move it to an IRA. Each choice has trade-offs — fees, options, protections. We walk you through them in plain English.
Learn more about how we help with long-term strategies here: Retirement Planning.
What It’s Like to Work With CGJ
Clarity First: One-page action plan in plain English.
Freedom of Choice: Use what you already have — no unnecessary products.
Growth With Confidence: Small tweaks, reviewed yearly, that compound into massive results.
The Quick 401(k) Upgrade Checklist
Contribute at least to the full employer match.
Decide Roth vs. pre-tax on purpose (review annually).
Stick with low-cost, diversified core options.
Turn on auto-rebalance and auto-increase.
Use catch-up contributions if eligible.
Consolidate old accounts intentionally.
Update beneficiaries after life changes.
Bottom Line: Small Tweaks, Big Impact
Most people treat their 401(k) like a set-it-and-forget-it account. That’s how they miss free money, overpay in fees, and end up with far less at retirement.
But with the right moves — capturing every match, optimizing Roth vs. pre-tax, cutting overlap, and automating growth — you can turn your 401(k) into a true wealth engine.
Schedule Your Free Consultation and let’s build a 401(k) strategy that actually compounds into real wealth.
