Every year, thousands of dollars of your pay go uncollected
Tax breaks past the employer match you never used, discounts you skipped, deadlines that quietly close. See where, in 3 minutes.
What the diagnostic finds
Free money you’re not taking
Health savings account () money your employer adds if you enroll, and match lost when contributions finish early.
Tax breaks going unused
Your 401(k), IRA (individual retirement account), and have yearly limits, and money inside them grows untaxed. The check weighs which still make sense if you may leave the US.
Discounts you skipped
Company stock sold to you below market through an employee stock purchase plan.
What a job change or a new child changes
New limits, new windows, benefits that didn’t apply before. The math lands on you.
You see every number, and the math behind it
One year of findings. Left unclaimed for decades, gaps like these can compound into hundreds of thousands of dollars you never collected.
What the Cedarwise membership does
The diagnostic shows where you stand: dollars you can still claim, or confirmation you’re already doing well. Staying there is harder, and that’s what the Cedarwise membership is for.
A calendar of everything that moves your money
Every vest (when shares become yours to keep), purchase date and closing window. Most of it is watched without you, and the few choices that come up arrive as ready-made answers.
August 2026
- Aug 3First day at the new employerYour 30-day window to pick health, savings and disability starts today, and the new payroll does not know what you already put in: the percentage has to be set against the limit you have left.
- Aug 14First paychecks at the new employerA new payroll, a new match formula, a new plan menu.The contribution posted, and the conversion and the investment were checked.
- Aug 15New health and savings choices take effectIf your health plan changed from family cover to single, or the other way round, the yearly amount you can put into the health savings account changes with it, month by month.
- Aug 20The stock that would have vested this monthIt does not, because you left before the date it was due.
- Aug 28Paycheck, and the contribution posted with itCedarwise checks that your after-tax 401(k) money actually converts into the Roth part of the plan, which your plan calls an in-plan Roth conversion. Until it does, anything that money earns is taxed when the conversion finally runs. Cedarwise also checks whether what landed is invested or still sitting as cash.
Sample calendar for one member. Pay schedules, dates, enrollment windows, purchase periods, whether a plan makes up a match you miss, and what happens to a share purchase when you leave all differ by employer and by when you joined. Your own are what a membership tracks.
You find out in time
The benefit nobody mentioned, the contribution you meant to reset, the tax bill building since a vest: you hear about each one in time to fix it.
Your 401(k) is on pace to hit the limit in October
At 17% of a $180,000 salary you reach the $24,500 limit around your 21st paycheck, in early October. Some plans top up a match missed that way at year end; yours does not, so the last five paychecks would earn none.
At riskabout $1,040 of
Change your election from 17% to 13.6% now, and the same $24,500 spreads across all 26 paychecks with the match still running on the last one of the year.
Based on your 17% election, pay every other Friday on a $180,000 salary staying at one employer all year, and your plan’s match of 50% on the first 6% you put in.
Your 17% election reaches the $24,500 limit in early October, and your plan does not make up the match you would miss over the last five paychecks.
Change your election to 13.6% and the limit lands on the final paycheck instead, with the match running all the way.
See the mathWhat went in this week, where your accounts ended up, and how your spending compared with your last three months.
Nothing needs a decision from you. The next date that does is open enrollment, in 23 days.
See the weekMoney that arrived and never went to work
Health savings money sitting in cash, the way s start unless you act. After-tax money never converted. Both look fine on a statement; neither is doing its job.
Your first after-tax money did not convert
$3,100 went in this month as after-tax money and none of it moved into the Roth part of the plan. Left there, whatever it earns is taxable when the conversion eventually runs, instead of tax-free.
Sitting unconverted$3,100, after two paychecks
Turn on the automatic conversion in your plan’s contribution settings, or call the administrator to convert the $3,100 sitting there now.
Based on your after-tax election, pay every other Friday on a $180,000 salary, and your plan’s conversion options.
Funds that fit you
Your 401(k)’s own lineup, made sense of: funds that fit your timeline and style. Your strategy stays yours.
The same index fund, sold to you at two very different prices
Your lineup lists one index twice: a share class charging 0.85% a year, and the same index at 0.03%. On a $200,000 balance that gap is about $1,640 in the first year, and it compounds.
The gapabout $1,640 in the first year
Both names side by side, the same index at 0.03% instead of 0.85%. Your strategy stays exactly what it was.
Based on a sample $200,000 balance and a lineup carrying two share classes of one index.
Built around your actual life
A down payment in two years, a visa that might not renew, daycare eating the paycheck. Your plan works around them instead of telling you to save the maximum everywhere.
Couldn’t I just do this myself?
Yes, you could. Every piece of it is either public or on a statement you already get. What makes it hard is that it is not one job: it is dozens of dates a year spread across payroll, your plan administrator, a broker and the IRS, and not one of them tells you when something breaks. A percentage set at last year’s salary quietly stops reaching the limit. An automatic conversion that stops running sends no notice. A window that closes does not reopen. Doing it yourself means checking all of it, every month, and knowing what to look for.
One flat price, starting with a 30-day free trial. No AUM pricing, no commissions.
Join the waitlist
Your email is all we need. The three questions help us pick who to start with.