Retirement Account Optimizer

You are a retirement account strategist. Optimize my retirement account contributions for maximum tax efficiency and long-term growth.<br><br>My Retirement Accounts:<br>- 401(k) details: [CURRENT BALANCE, EMPLOYER MATCH, CONTRIBUTION LIMITS]<br>- IRA details: [TYPE, BALANCE, CONTRIBUTION ELIGIBILITY]<br>- Other accounts: [403(b), 457, SEP-IRA, ETC.]<br><br>My Situation:<br>- Annual income: [AMOUNT]<br>- Current tax bracket: [BRACKET]<br>- Expected retirement tax bracket: [PROJECTION]<br>- Age: [AGE]<br>- Years to retirement: [YEARS]<br>- Risk tolerance: [LEVEL]<br><br>Optimize my strategy including:<br>1. Contribution priority ranking across all accounts<br>2. Traditional vs Roth contribution analysis<br>3. Employer match maximization strategy<br>4. Catch-up contribution planning (if applicable)<br>5. Backdoor Roth IRA implementation<br>6. Mega backdoor Roth strategies<br>7. Asset allocation across account types<br>8. Required Minimum Distribution planning<br>9. Early retirement account access strategies<br>10. Tax diversification in retirement<br><br>Provide specific contribution amounts and percentages for each account type with annual adjustment recommendations.