How to Maximize Your Meta Benefits
Meta offers one of the strongest benefits packages in tech. Most employees know the broad strokes, but many overlook hidden opportunities to save even more. These tips will help you grow your nest egg and keep more of your savings so you can retire in style.
1. Capture the Full 401(k) Match
Meta matches 100% of your 401(k) contributions up to 50% of the IRS annual limit. For 2026, that means if you contribute up to $12,250, Meta will match it dollar-for-dollar, no strings attached. If you're contributing less than $12,250, you're leaving free money on the table.
2. Max Out Your 401(k) Contributions
Even though Meta only matches up to 50% of the IRS limit, it’s always best to contribute the full amount when possible. Meta’s 401(k) offers a variety of great investment options managed by Fidelity. Every dollar you contribute can be invested to grow over time, giving you more for the years ahead.
3. Diversify Across Account Types
When contributing to a retirement account, you generally have a choice between traditional pre-tax contributions or Roth contributions.
Pre-tax contributions reduce your taxable income today, and withdrawals are taxed as ordinary income in retirement.
Roth contributions are taxed now, but your investments will grow tax-free, and qualified withdrawals are tax-free.
Using both gives you more flexibility in retirement. With both, you can manage your tax bill by drawing from different buckets depending on your situation in any given year. This may mean making both traditional and Roth contributions to your 401(k), or it may mean using only pre-tax funds for your 401(k), then using an IRA or the mega backdoor Roth in addition.
4. Use Catch-up Contributions
The total IRS limit can change depending on your age.
The standard 401(k) contribution limit for 2026 is $24,500. This applies to all workers under 50.
Once you turn 50, you can contribute an additional $8,000, bringing your total limit to $32,500.
If you're between the ages of 60–63, that amount increases to a “super catch-up” of $11,250, bringing the total up to $35,750.
Unlike most companies, Meta matches catch-up contributions at the same rate as regular contributions (dollar-for-dollar up to 50% of the limit). For 2026, that means the maximum match limit with catch-up contributions is:
Age 50+: $16,250
Ages 60–63: $17,875
This makes it all the more valuable to max out your contributions.
One thing to be aware of: starting in 2026, employees who earned more than $150,000 in FICA wages in 2025 are required to make catch-up contributions on a Roth basis. That means no up-front tax deduction, but the contributions grow tax-free.
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5. Take Advantage of the Mega Backdoor Roth
Not all employers offer a mega backdoor Roth option, but Meta does. Once you've maxed out your regular contributions and received Meta's match, you can contribute after-tax dollars to your 401(k) and convert them to Roth. Using this program, you can put aside tens of thousands more than the standard limits allow. Plus, unlike a Roth IRA, there are no income limits. Even high earners can contribute.
Using Fidelity NetBenefits, you can even set up automatic daily in-plan conversions so the after-tax dollars convert to Roth without you having to manually initiate it each time. Otherwise, the after-tax contributions could sit unconverted, generating taxable earnings before they are converted to Roth.
6. Adjust Your 401(k) Investments
When you first enroll in Meta's 401(k), your contributions are automatically invested in a target-date fund based on the year you turn 65. That's a reasonable default, but it's worth a closer look.
Meta's plan includes plenty of low-cost options that are difficult to access outside of a workplace plan. Depending on your goals and risk tolerance, you may want to customize your allocation rather than rely on the default. Log in to Fidelity NetBenefits to review your current elections and make sure they still reflect where you are and where you're headed.
7. Make the Most of Your HSA
If you enroll in Meta's high-deductible health plan (HDHP), you have access to a health savings account (HSA). An HSA is one of the most tax-efficient accounts available, with three advantages:
Contributions are untaxed and tax-deductible
The balance grows tax-free
Earnings for qualified medical expenses are tax-free
No other savings account combines all three benefits. If you invest in your HSA and let it grow, it can become a powerful retirement savings tool. After age 65, you can withdraw HSA funds for any purpose without penalty, paying only ordinary income tax, much like a traditional 401(k).
For 2026, you can contribute up to $4,400 for individual coverage or $8,750 for family coverage. If you're 55 or older, you can contribute an additional $1,000. Meta seeds the account with a contribution of its own, which counts toward your annual limit.
8. Don't Overlook the FSA
Not everyone qualifies for an HSA. If you are not enrolled in an HDHP, you may still have access to a flexible spending account (FSA). Like an HSA, an FSA lets you set aside pre-tax dollars for qualified medical expenses, reducing your taxable income. The 2026 contribution limit is $3,400.
The key difference from an HSA is that an FSA is "use it or lose it." Most of the funds you don't spend by the end of the plan year are forfeited. However, Meta's plan allows you to carry over up to $680 into the following year. Still, this can be a useful financial tool. By covering out-of-pocket medical costs with pre-tax dollars, an FSA frees up more of your take-home pay to save for later.
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9. Diversify Your RSUs as They Vest
For many Meta employees, restricted stock units (RSUs) make up a major portion of total compensation. If you let your vested shares accumulate without selling, a large chunk of your wealth ends up tied to a single stock, which is also tied to the same company that pays your salary. In short, you would have all your eggs in one basket.
The easiest way to manage this is to sell shares on a regular schedule as they vest. Then, you can reinvest the proceeds into a diversified portfolio. You don't have to sell everything, but having a plan prevents Meta stock from taking up too much of your portfolio. You can also use the proceeds to add to your retirement accounts, including your 401(k), mega backdoor Roth, and HSA.
10. Review Your Life and Disability Insurance Coverage
Meta provides basic life insurance and both short-term and long-term disability coverage as part of its benefits package. These are worth reviewing, not just enrolling in and forgetting.
For life insurance, the default coverage Meta provides may not be enough depending on your income, debts, and family situation. Meta offers supplemental life insurance you can purchase, but it's also worth considering a separate term life policy that isn't tied to your employment. Employer-provided coverage ends when you leave, which can leave you in a difficult position if your health has changed.
For disability, understand what the coverage actually pays. Long-term disability typically covers a percentage of your base salary up to a monthly cap. Since Meta's high compensation often comes from RSUs and bonuses rather than base salary alone, the payout may cover less of your actual income than you'd expect.
11. Keep Your Beneficiaries Up to Date
Your 401(k), HSA, and life insurance all pass directly to whoever you've named as beneficiary. Even if you have a will, it will be overridden by the beneficiaries you designate within the plan. If you set these designations when you first joined Meta and haven't looked at them since, they may no longer reflect your wishes.
Log in to Fidelity NetBenefits to review your 401(k) beneficiaries, and check your life insurance and HSA designations separately. It takes a few minutes and ensures the savings you've built actually go where you intend.
12. Work with a Fiduciary Financial Advisor
The tips in this post make a solid starting point, but everyone's situation is different. Making the right decisions with your finances takes more than a checklist. With all the nuances involved, it pays to have a little help in your corner. A fiduciary financial advisor can help you:
Adjust your investments to maximize your growth while avoiding unnecessary risks
Diversify your savings accounts for more flexibility in retirement
Build a retirement plan that makes the most of all your assets
Optimize your taxes so you get to keep more of the money you’ve worked so hard to earn
Most brokers and financial professionals earn commissions on the products they recommend. A fee-only fiduciary financial advisor does not. Fiduciary advisors are also legally required to act in your best interest, not their own. Believe it or not, that same standard does not apply to many other finance pros.
Making the Most of Your Meta Benefits
If you're planning to retire soon, the choices you make now could impact your finances for years to come. At TrueWealth Financial Partners, we can help you maximize your benefits and transition into the retirement of your dreams. Schedule a free 15-minute intro call to see if we’re a good fit, and we can get started on a retirement plan that works for you.
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