Your 401(k) Has a Job: Help Build the Retirement You Want.
GradeYour401k is not a contest to see whether you picked the hottest funds. It is a framework for looking at how well you are using your 401(k) to support your retirement objective.
We look at the information you provide across contribution behavior, allocation, diversification, concentration, downside fit, portfolio discipline, and retirement trajectory. When more information becomes available, the analysis can become more complete.
Are You Using Your 401(k) Intentionally?
A good 401(k) decision is not just about recent performance. The bigger question is whether the account is being funded, invested, maintained, and used in a way that supports the retirement you are trying to build.
Contributions, allocation, diversification, concentration, downside fit, discipline, and retirement trajectory matter more than whether one fund had a strong year.
Your specific plan may offer features such as Roth contributions, brokerage windows, after-tax contributions, in-service distributions, employer match provisions, and other planning opportunities.
The objective is not simply a higher score. The objective is to use the 401(k) more effectively so you have better options and more flexibility when retirement arrives.
The Preliminary Grade Is the Starting Point.
You can begin without uploading a statement. Answer what you know, and “I don't know” is a valid answer. Missing information can reduce confidence in the result rather than automatically being treated as a failure.
Your report is delivered privately by email and gives you a structured starting point for deciding what deserves attention.
- • Short questionnaire using what you know today
- • Preliminary overall grade and grade confidence
- • Seven review areas with action items and opportunities
- • Report delivered privately by email
30-Minute 401(k) Strategy Review — $149
Meet one-on-one with an independent fiduciary financial advisor. Before the meeting, you can securely provide your latest 401(k) statement and, when available, your Summary Plan Description or other plan documents.
We can review balances, investments, contribution sources, allocation, and other account details.
We can look for plan-specific features such as in-service distributions, brokerage windows, Roth options, match provisions, after-tax contributions, and other available strategies.
We'll fill in missing information, identify relevant plan features and strategies, update the analysis, and develop practical next steps based on your retirement objective.
Watch 401(k) Strategies
Explore rollover decisions, the Rule of 55, in-service distributions, brokerage windows, Roth choices, contribution strategies, and company stock.
Watch the 401(k) Review Demo
Follow a hypothetical review and see how we move from a preliminary grade to specific questions and practical next steps.
GradeYour401k is a resource of Kenai Investments Inc., a Registered Investment Advisor. Information is educational and is not individualized investment, tax, or legal advice.