Starting a new job? Set the defaults before they set you.
The 401(k) match, the stock-purchase (ESPP) entry, the medical plan, the health savings account (HSA): most of it gets decided in twenty rushed minutes during week one, and the defaults quietly win. Answer a few questions using your offer letter and enrollment materials; we’ll price what the default path would cost you in year one, while the windows are still open.
Been in your job a while? See what this year is leaving uncollected instead →
Sample decisions · what you’ll get
401(k) match from paycheck one · before your first paycheck$3,000–$4,000
Stock purchase () entry · next offering date$1,300–$1,800
room if you pick the high-deductible plan · new-hire window$4,400
One year of findings. Left unclaimed for decades, gaps like these can compound into hundreds of thousands of dollars you never collected.