As the leaves begin to change, fall offers more than just a shift in seasons—it’s a strategic window to review and optimize your retirement plan. Whether you’re just starting out or nearing retirement, your 401(k) is a powerful tool for building long-term financial security.

Here are five smart moves to help you make the most of your 401(k) this fall:

1. Review Your Contribution Rate

Are you contributing enough to meet your retirement goals? Fall is a great time to check your current rate and consider increasing it—especially if you received a raise or bonus this year.

Tip: Aim to contribute at least enough to receive your full employer match. Even a 1–2% increase can make a big difference over time.

2. Maximize Employer Matching

If your employer offers matching contributions, make sure you’re not leaving free money on the table. Matching is one of the most valuable benefits of a 401(k).

Tip: Review your plan’s match formula and confirm you’re contributing enough to qualify for the full match.

3. Rebalance Your Portfolio

Market fluctuations can throw your asset allocation out of alignment. Rebalancing helps you maintain your desired mix of stocks, bonds, and other investments.

Tip: Use this opportunity to assess your risk tolerance and long-term goals. Consider adjusting your allocation if your life circumstances have changed.

4. Explore Roth vs. Traditional Contributions

Many plans now offer both Roth and traditional 401(k) options. Roth contributions are made with after-tax dollars and grow tax-free, while traditional contributions reduce your taxable income now.

Tip: Talk to your advisor about which option best fits your current tax situation and retirement strategy.

5. Check Beneficiary Designations

Life changes—marriages, births, and other milestones—can affect who you want to inherit your retirement savings. Make sure your beneficiary information is up to date.

Tip: Review your designations annually and after any major life event. It’s a simple step that can prevent complications later.

Fall Into Financial Confidence

Your 401(k) is more than a retirement account—it’s a cornerstone of your financial future. Let’s schedule a fall review to make sure your plan is aligned with your goals and values.