Retirement Accounts
401(k) accounts for Mike, Becky, and the kids across personal and operating company plans.
As of December 2, 2025
Total Retirement
$1,409,000
Mike
$285,000
Becky
$274,000
Rachel
$283,333
Zach
$283,333
Reese
$283,334
📈 Kids 401(k) Growth Strategy
All three kids are maxing out contributions with maximum employer match via operating companies.
Annual Employee Contribution (each)
$23,000
Annual Employer Match (each)
$7,000
Total Annual Growth (each)
$30,000/year
Combined Annual Growth (all 3 kids)
~$90,000/year
Plus investment returns (~7% historical average). At this rate, each kid could have $1M+ by age 45.
👨👩👧 Mike & Becky
$559,000Mike Collins - 401(k)
Fidelity | Pre-Tax | Beneficiary: Becky Collins
$110,000
Mike Collins - Alto IRA Self-Directed
Alto | Self-Directed 401(k) | Alternative investments
$175,000
Rebecca Collins - 401(k)
Fidelity | Pre-Tax | Beneficiary: Mike Collins
$274,000
Mike & Becky Total
$559,000
👨👩👧👦 Kids Retirement
$850,000All kids employed through family operating companies with 401(k) plans administered by Apiary. Maxing contributions with full employer match.
Rachel Collins - 401(k) Max + Match
Custodian: Apiary | Employer: Honeycomb | Pre-Tax
$283,333
Zach Collins - 401(k) Max + Match
Custodian: Apiary | Employer: Grove Street | Pre-Tax
$283,333
Reese Collins - 401(k) Max + Match
Custodian: Apiary | Employer: Honeycomb | Pre-Tax
$283,334
Kids Total
$850,000
📊 Complete Summary
| Family Member | Account Type | Custodian | Employer | Balance |
|---|---|---|---|---|
| Mike | 401(k) | Fidelity | AV | $110,000 |
| Mike | Self-Directed 401(k) | Alto | — | $175,000 |
| Becky | 401(k) | Fidelity | — | $274,000 |
| Mike & Becky Subtotal | $559,000 | |||
| Rachel | 401(k) | Apiary | Honeycomb | $283,333 |
| Zach | 401(k) | Apiary | Grove Street | $283,333 |
| Reese | 401(k) | Apiary | Honeycomb | $283,334 |
| Kids Subtotal | $850,000 | |||
| TOTAL | $1,409,000 | |||
📈 5-Year Growth Projections (Kids)
Assuming max contributions ($23k), max match ($7k), and 7% annual returns:
| Year | Rachel | Zach | Reese | Total |
|---|---|---|---|---|
| 2025 (Current) | $283,333 | $283,333 | $283,334 | $850,000 |
| 2026 | $333,167 | $333,167 | $333,168 | $999,502 |
| 2027 | $386,488 | $386,488 | $386,489 | $1,159,465 |
| 2028 | $443,542 | $443,542 | $443,543 | $1,330,627 |
| 2029 | $504,590 | $504,590 | $504,591 | $1,513,771 |
| 2030 | $569,911 | $569,911 | $569,912 | $1,709,734 |
*Projections assume continued employment with operating companies and consistent contribution rates.
📋 Notes
- All accounts are pre-tax traditional 401(k) plans
- Mike's Alto IRA is a self-directed 401(k) allowing alternative investments
- Kids' 401(k)s are administered through Apiary as custodian
- Kids employed through family operating companies (Honeycomb, Grove Street)
- Annual contributions maxed at $23,000 employee + $7,000 employer match = $30,000/year each
- Combined annual growth across all three kids: ~$90,000/year plus investment returns
- Employer match funded through trust distributions to operating companies