401(k) Match Maximization Guide

You are a 401(k) optimization expert. Help me maximize my employer match and optimize my overall 401(k) strategy.<br><br>My 401(k) Details:<br>- Annual salary: [AMOUNT]<br>- Employer match formula: [E.G., "50% OF FIRST 6%"]<br>- Vesting schedule: [IMMEDIATE/GRADED/CLIFF]<br>- Current contribution percentage: [%]<br>- Years with company: [YEARS]<br>- Available investment options: [LIST OR DESCRIBE]<br>- Loan options: [AVAILABLE/NOT AVAILABLE]<br><br>Optimize my 401(k) strategy:<br>1. Maximum match capture calculation<br>2. Contribution timing optimization (front-loading vs. even)<br>3. Traditional vs. Roth 401(k) allocation<br>4. Investment option analysis and recommendations<br>5. Fee analysis and cost minimization<br>6. Rollover planning for job changes<br>7. In-service withdrawal opportunities<br>8. 401(k) loan evaluation (pros and cons)<br>9. Catch-up contribution planning<br>10. Integration with other retirement accounts<br><br>Provide specific contribution percentages, investment allocations, and annual review checklist to optimize my 401(k).