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401(k) Planning in Alpharetta, GA
Make Your Employer Plan Work Harder
Your 401(k) is often your largest retirement asset, and the rules around it changed again in 2026. We help you make the most of it.
Fee-Only • Fiduciary • Independent RIA • CFP®, ChFC® • 30+ Years Serving North Atlanta
Your 401(k) Deserves More Than a Set-It-and-Forget-It Approach
A 401(k) often gets set up once, with a contribution percentage picked and rarely revisited. But contribution limits change most years, the rules around catch-up contributions changed again in 2026, and your plan's investment menu may not be working as hard as it could be. At Daner Wealth Management, we help high-income professionals and executives in Alpharetta, Roswell, and Johns Creek make sure their 401(k) fits into their full financial picture.
When to Start This Conversation
You may be ready for this conversation if you're unsure whether you're capturing your full employer match, if you're turning 50 (or 60) and want to understand catch-up contribution rules, if you're deciding between Roth and traditional contributions, or if you're changing jobs and weighing what to do with an old 401(k).
Our Process
We start with a conversation about your plan's details, your income, and your broader financial goals. From there, we help you think through:
- Capturing Your Full Match and Contribution Strategy. For 2026, the employee elective deferral limit is $24,500, with an additional $8,000 catch-up if you're 50 or older, and a “super catch-up” of $11,250 if you're between 60 and 63. We help you set a contribution strategy that captures your full employer match and makes sense for your income and goals.
- Navigating the New Roth Catch-Up Rule for High Earners. Starting in 2026, SECURE 2.0 requires catch-up contributions from higher-wage earners to go into a Roth account instead of pre-tax. This is a meaningful change for many of our clients, and we help you understand how it affects your specific plan and tax situation.
- Choosing Between Traditional and Roth Contributions. Traditional 401(k) contributions reduce your taxable income now and are taxed on withdrawal, including RMDs that begin at 73 or 75 depending on your birth year. Roth 401(k) contributions don't reduce current income but grow and withdraw tax-free. We help you think through which mix fits your situation, sometimes alongside broader Roth conversion planning.
- Fitting Your 401(k) Into Your Full Portfolio. Your plan's investment menu is limited compared to an IRA or brokerage account. We help you choose within that menu in a way that coordinates with your broader investment strategy.
As a fiduciary, every recommendation is built around your interests, not a product. We don't earn commissions tied to which investments you choose within your plan.
We don't charge by the service or take commissions on products we recommend. As a fee-only firm, we charge an all-inclusive percentage of assets under management, generally 0.75%–1.25% annually, so our only incentive is doing right by your plan. We'll walk you through exactly what that means for your situation before you commit to anything.
Why Choose Daner Wealth Management
Marc Daner, CFP®, ChFC®, is a fee-only fiduciary 401(k) advisor who has helped clients make sense of employer retirement plans as part of a full financial picture for more than 30 years. As an independent, fee-only fiduciary, we're required by law to act in your best interest, not selling products or earning commissions. We explain your options in plain language and stay with you as your plan evolves.
Talk to Marc
If it's been a while since you've looked closely at your 401(k), we'd welcome the conversation. Schedule a consultation with Marc Daner to talk through how your plan fits your full financial picture.
FAQs
Get your questions answered about our 4019(k) planning .
The employee elective deferral limit is $24,500 for 2026. If you're 50 or older, you can contribute an additional $8,000, and if you're between 60 and 63, a “super catch-up” allows an additional $11,250 instead. The combined employer and employee contribution limit is $72,000.
Starting in 2026, SECURE 2.0 requires that catch-up contributions from higher-wage earners be made to a Roth account rather than pre-tax. This changes the tax treatment of those contributions and is worth reviewing with your plan if it applies to you.
It depends on your current tax bracket, how you expect your income and tax rate to change over time, and your broader financial picture. We help you think through the tradeoffs rather than giving a one-size-fits-all answer. (Related reading: tax-efficient retirement planning strategies for high-income professionals.)
We generally can't directly trade or manage assets held in an employer-sponsored 401(k) the way we manage your other accounts, since those plans are held by your employer's provider. What we can do is help guide your contribution strategy and investment choices within your plan's menu, and coordinate that with the rest of your portfolio.
