Don’t Waste a Year of Contributions: 401(k), HSA, and Benefit Elections to Revisit Early

The best time to optimize retirement contributions is early in the year—when you have time to make adjustments and stay on track. It’s one of the simplest ways to strengthen your plan without changing your lifestyle. 

 A few items to review now 

• Contribution pacing: Are you on track to hit your intended annual savings target? 
• Employer match: Are you capturing the full match (and avoiding a mid-year gap if your pay changes)? 
• Roth vs. pre-tax: Does your current mix still make sense for your tax situation? 
• HSA strategy: If eligible, are you using an HSA as a long-term planning tool (not just a spending account)? 
• Beneficiaries: Do retirement account beneficiaries still match your estate plan? 

 Why this matters 

Small changes early in the year can prevent a scramble later—and can meaningfully improve long-term outcomes. 

 A helpful next step 

If you’d like, we can coordinate your contribution strategy with your broader tax plan, cash flow needs, and retirement timeline. 

 _{Disclosure: This material is for informational purposes only and should not be considered tax advice. Consult your CPA for guidance specific to your situation.}