Snowball
Wealth
When I started my first job in my early twenties, I did not understand the basics of personal finance. I did not know what a 401(k) was, how employer matching worked, or how much I should be contributing. I did not understand the difference between Traditional and Roth accounts, and I did not learn that Roth IRAs or index funds even existed until years later.
Like many young professionals, I earned well but lacked a system. I kept too much money in cash, made scattered investments, and spent aggressively because I did not know what else to do. Early in my career, I also missed out on a generous employer match, a mistake that will likely cost me hundreds of thousands of dollars over a lifetime.
I built Snowball Wealth so others do not have to learn these lessons the hard way. The goal is simple: give young professionals a clear, repeatable structure early in their careers so they can make good decisions once and let time do the rest.
A few focused conversations can prevent decades of avoidable mistakes. This is meant to be a set it and forget it system that replaces confusion with clarity and helps people build wealth steadily without constant second guessing.
Snowball Wealth is designed for ambitious professionals who want a clear system that builds long-term wealth on autopilot, without obsessing over markets, timing, or complexity.
This is a good fit if you:
This is not asset management or stock picking. It’s a personal decision system designed to run quietly for decades.
We design and implement simple, automated systems so your money works consistently without constant decisions or market stress.
First, protect your base
• Build the right cash buffer so you’re never forced into bad decisions
• Structure accounts to minimize unnecessary taxes
Then, grow steadily
• Invest consistently using simple, diversified portfolios
• Automate contributions so progress doesn’t depend on willpower
401(k) strategy
Contribution rate, employer match optimization, investment allocation, automation within your employer plan, and rollover strategy for prior employer accounts
Roth vs Traditional strategy (IRA + 401(k))
A long-term tax roadmap coordinating Roth and pre-tax contributions across accounts as income changes
Emergency fund design
Right-sized for your income volatility and risk tolerance, not generic rules of thumb
Tax-advantaged account sequencing
Where each dollar goes first, second, and third
Health Savings Account (HSA) strategy
Eligibility assessment, contribution strategy, investment allocation, and long-term use planning across medical and retirement timelines
Index fund portfolio construction
Simple, diversified allocation designed for decades, not optimization theater
Taxable brokerage account setup
For medium-term goals and overflow capital beyond tax-advantaged accounts
Income vs expense system
A living view of cash flow that supports better long-term decisions
Self-employed retirement setup (SEP IRA / Solo 401(k))
Account selection, contribution strategy, and automation aligned with business income
Additional structural optimizations, when relevant:
Cash flow optimization
Credit structure alignment
Income scalability planning
