Building toward a retirement that holds up.
Planning is building. Building without a plan is guessing.
Most people in their thirties, forties, and fifties are doing fine on autopilot — saving something, contributing to a 401(k), maybe an IRA, paying down the house. It feels like progress because the balances go up. But "saving something" is not a plan, and the questions that actually matter — am I saving enough? Saving in the right places? On track for what? — go unanswered for years.
A real plan turns the guessing into a target. Then every paycheck, every bonus, every raise has a job. The same dollar saved with a plan does more work than the dollar saved without one — sometimes by hundreds of thousands over a career.
Where each dollar should go, in order.
Most people get the order wrong. They max out the 401(k) before paying down a 9% credit card. They funnel cash into a brokerage account before opening a Roth. They miss the employer match because they're paying extra on a 3% mortgage. The order matters more than most people realize.
Emergency fund
401(k) match
High-interest debt
Roth IRA / HSA
Max the 401(k)
Brokerage / extra mortgage
Probably your biggest asset. Probably the one nobody's watching.
For most of our clients, the 401(k) is the largest pile of money they have. It's also the most neglected — picked once, on day one of a job, and not touched since. The default is usually a target-date fund charging 0.50–0.75% a year to do something we'd happily do for free.
So we built Workplace Savings Advice: every quarter, you get an email with specific allocation recommendations for your 401(k), 403(b), or TSP — tuned to your risk tolerance and the funds your plan offers. No logins. No forms. Written by a human. Free for every Momentum client.
What we model
Common questions
How much should I actually be saving?
Should I pay off the mortgage or invest?
Roth or traditional 401(k) — does it actually matter?
What if I lose my job?
The scary thing about retirement isn't the market.
It's not knowing.
The uncertainty is the weight. Getting honest numbers on paper — even if the numbers aren't all great — lifts more off your shoulders than you expect. Most of our clients leave the first meeting lighter than they walked in.
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