Retirement / 401k Estimates

⚠️ CORRECTED 2026-05-13: Sam left GM in 2022 via VSP. Not contributing to GM 401k anymore (no employer). 401k balance ~$350K, sometimes pulled as bridge. Goal is to stop pulling unless for compounding investment. See → 401k Tracker for withdrawal history + future-pull criteria.

📊 Current Profile

401k balance	~$350K	🟢 HIGH (Sam-stated)	Fidelity, legacy from GM
Current contributions	$0 / mo (no employer)	🟢 HIGH	Could open Solo 401k via Same Solutions LLC if surplus exists
Withdrawals 2022–now	TBD	⚪ PLACEHOLDER	Need Fidelity statement reconstruction (see tracker)
Current fund allocation	TBD	⚪ PLACEHOLDER	Target-date → growth pool shift mentioned by Sam
Other retirement accounts (IRA, Roth)	UNKNOWN	⚪ PLACEHOLDER	—

🧮 Self-Employed Retirement Levers

Solo 401k / SEP-IRA — Same Solutions LLC can sponsor a retirement plan with much higher contribution limits than personal IRA. Worth modeling once Same Solutions net surplus is consistent.
Roth conversion ladder — useful in low-income years (sabbatical 2022–2024 may have been ideal but window is closing if Same Solutions revenue scales)
Asset allocation review — growth-pool shift performance delta, fund ER analysis
Compound projection scenarios — untouched vs different bridge-pull rates (see tracker for the math)
HSA strategy — Sam self-pays health insurance; HSA-eligible plans add tax-advantaged retirement capacity

📋 What to provide

Fidelity 401k current balance (confirm $350K)
Current fund allocation (% in each fund, fund tickers)
Date of switch from target-date to growth pool
Historical withdrawal totals by year (for tracker)
Sam's age + planned retirement age
Any other retirement accounts (IRA, Roth, brokerage)