Our Services
Employer-Sponsored Accounts
Your 401(k), 403(b), or 457(b) is a major part of your retirement picture,
and it rarely works alone. We help you understand what you have and how
each account fits alongside your pension and other income.
and it rarely works alone. We help you understand what you have and how
each account fits alongside your pension and other income.
What We Do
Clarity Across Every Account
Most people collect retirement accounts over a career: a 401(k) from a private employer, a 403(b) from a school or nonprofit, a 457(b) from a government employer, and often an IRA or Roth IRA on the side. Each has its own rules for contributions, withdrawals, and taxes.
We review the accounts you have, explain how each one works in plain language, and clarify how they fit together with your pension, Social Security, and savings, so your money is coordinated instead of scattered.
Education comes first. Before any recommendation, you will understand what you own and why it matters.
What we help you clarify
- ✔ What each of your accounts is and how it works
- ✔ 401(k), 403(b), and 457(b) rules in plain language
- ✔ How IRAs and Roth IRAs fit into your picture
- ✔ Accounts left behind at previous employers
- ✔ How your accounts coordinate with your pension and Social Security
- ✔The questions to ask before consolidating anything
Work in the public sector? 403(b) and 457(b) accounts have rules and opportunities specific to public employees and educators. See our dedicated public employees guide.
Where This Fits
Part of The Peak Path™
Employer accounts are gathered at base camp, mapped into the route, and reviewed at every vista point along the climb.
Common Questions
Good to Know Before You Start
I have old accounts from previous employers. Can you help?
Yes. Accounts left at previous employers are one of the most common things we untangle. We help you locate what you have, understand each account’s rules, and think through the options for each one.
What is the difference between a 401(k), 403(b), and 457(b)?
They are all employer-sponsored retirement accounts, but they belong to different kinds of employers: 401(k) plans are common at private companies, 403(b) plans at schools and nonprofits, and 457(b) plans at government employers. Each has its own contribution and withdrawal rules, which is exactly what we walk through with you.
Do you give investment advice on my accounts?
Our focus is education and coordination: helping you understand what you have and how it fits into your retirement income plan. Where a question falls outside our scope, we coordinate with, or refer you to, the right licensed professional.
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Ready to Start?
Ready to Take the First Step?
Every confident retirement begins at base camp. Let’s talk about
where you are and where you want to go.