401k, IRA, pension, and HSA balances complete your net worth picture and unlock the most valuable conversations your advisor can have with you.
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Income
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Expenses
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Debts
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Mortgage
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Retirement
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Summary
No retirement savings yet?
That's an important data point. Skip this step and we'll note it in your summary — it's something a specialist can help you address.
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Add a Retirement Account
Account type
Account details
Account name / employer Optional
Tax treatment
Pre-tax vs Roth
A pre-tax account (traditional 401k, traditional IRA) was funded with money before taxes were paid. You'll owe income tax when you withdraw in retirement. A Roth account was funded after taxes — withdrawals in retirement are tax-free. The distinction matters for net worth: $100,000 in a traditional account is worth roughly $72,000 after taxes; $100,000 in a Roth is worth the full $100,000.
Why we note it separately
We show retirement assets as pre-tax where applicable so your net worth figure is clearly labeled, not inflated. Your advisor can model Roth conversion strategies and tax-efficient withdrawal planning from this information.
Current balance
What to enter
Your current account balance — log in to your provider (Fidelity, Vanguard, Schwab, etc.) or check your most recent statement. For a pension, if there's a cash balance or lump sum equivalent, enter that here. If the pension only has a monthly benefit, leave this blank and use the pension benefit field instead.
Approximate is fine
Market values change daily. Enter your balance as of today or your last statement — ballpark accuracy is sufficient for net worth calculation and advisor planning.
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Please enter an account balance.
Annual contribution
Optional
Your contribution only
Enter your own annual contribution — not including any employer match. For a 401k, this is the amount deducted from your paycheck each year. The 2025 IRS limit is $23,500 for 401k and $7,000 for IRA. Your advisor will flag if you're below the maximum.
Why it matters
If you're not maxing out a tax-advantaged account, you're paying more in taxes than necessary. Your advisor can model what increasing your contribution by even $100/month does to your retirement balance and current tax bill.
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Employer match
Optional
Free money
An employer match is free money added to your 401k when you contribute. Common structures: "50% match up to 6% of salary" means your employer adds 3% of your salary if you contribute 6%. Not capturing this match is the most common and most costly retirement mistake. Your advisor will flag if you're leaving any match on the table.
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Match up to (% of salary) Optional
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💰 Free money alert
Pension details
Est. monthly benefit
Optional
What to enter
Your estimated monthly pension benefit at your planned retirement age — find it on your most recent pension statement or annual benefit estimate from your employer or union. This is a guaranteed income stream that significantly affects your overall financial plan.
Advisor signal
A guaranteed pension benefit reduces the amount you need to save in other accounts to fund retirement. Your advisor can model the pension alongside Social Security and investment accounts to identify any income gap and the right savings strategy to fill it.
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Planned retirement age Optional
Vested? Optional
HSA details
Invested or cash?
The hidden retirement account
An HSA kept in cash earns almost nothing. But an HSA invested in index funds is the most tax-efficient account available — contributions are pre-tax, growth is tax-free, and withdrawals for medical expenses are tax-free. After age 65, withdrawals for any purpose are taxed like a traditional IRA. If your balance is in cash, your advisor will discuss investing it.
Annual HSA contribution Optional
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Fill in the details above, then add to your retirement picture.
Your retirement accounts
No retirement accounts yet
If you don't have any retirement savings, that's an important data point for your advisor. Toggle this on so they know this is a priority conversation.
Total retirement assets
$0
No accounts added yet
Pre-tax (traditional)
$0
Roth (after-tax)
$0
Pension accounts
$0
HSA
$0
Est. pension income
$0/mo
Retirement insights
Why retirement assets matter here
For most people, a 401k is their largest asset after their home. Leaving it out of the net worth calculation gives an incomplete — and often discouraging — picture.
Pre-tax note
Traditional 401k and IRA balances are pre-tax. We show them labeled separately so your net worth is clearly stated, not overstated.
This step is optional
Skip it and continue to Summary if you prefer. Your advisor can gather this in your first conversation.