Are You Getting the Most Out of Your 401(k)
We recently reviewed Vanguard’s How America Saves 2025 report, and one statistic really stood out: Only 18% of Americans contribute to their 401(k) using the Roth option.
In this short video, we cover two simple steps that can put you ahead of the pack, and make sure you’re getting the most out of your workplace retirement plan.
Saving as a Roth:
Many plans now allow Roth 401(k) contributions, which means tax-free distributions down the road. We believe pre-tax investing is like using a rotary phone and Roth is like a modern cell phone. Why is 82% of America using a rotary phone to manage their 401k?
Choosing your investments intentionally:
Many participants default into a target-date fund without ever reviewing their other options. A quick look at your fund lineup could help you build a more personalized, potentially stronger investment mix.
The 401(k) is most people’s largest retirement asset. And you should be in the 18% of people who are getting the most out of it. If you’d like us to take a look at your 401(k) and walk through your investment options together, we’d be glad to help.