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Your Information
Sets IRS 401(k) limit — under 50: $23,000/yr · age 50+: $30,500/yr
Included in AI analysis for personalization
AI will address education funding & generational wealth impact
Helps frame college funding timeline
$
Used for insurance referral calculation
$
Volume ÷ units
%
Expected annual increase in loan volume
%
Applied to pre-tax buckets (401k, deferred comp, WTF) for after-tax view · Default: 35% fed + 6.85% NY state
Pure Economics focuses on compensation architecture & compounding mechanics. Family Context adds personal life impact framing.

Current Employer

BPS
100 BPS = 1.00% of loan volume
%
% of gross commission deferred (if applicable)
401(k)
%
%
$
Amount you'd repay current employer

MM
Movement Mortgage

BPS
100 BPS = 1.00% of loan volume
Contribution
%
Growth Rate
%/yr
% of gross deferred · Growth rate (stock market linked, both employers)
401(k)
%
%
$
Taxable income — effective after-tax ~60–70%
Win Together Fund
%
%/yr
% of after-tax income · Company credit risk (not market-linked)
Movement Insurance Referrals
50% of annual units referred · $50 home new / $30 renewal · $35 auto new / $20 renewal
$
Servicing Bonuses
BPS
~50% of annual volume stays serviced at Movement · Paid annually
BPS
~50% of volume sold as MSR each year
Movement Employee Advantage (MEA)
$
Pre-tax expense savings · Senior LOs typically $40–50K/yr
Win Together Fund — Post-Tax (Trident Trust)
%
Post-tax WTF via Trident Trust · Company credit risk
⚠ Important Note: This analysis reflects only the current employer compensation components entered above. Your current employer may offer additional programs (insurance overrides, profit-sharing, equity, bonuses, etc.) not entered here. Verify the complete picture of your current package before making any employment decision. Numbers are projections based on stated assumptions — actual results will vary.
Analysis Results

Compensation Comparison

Sensitivity Analysis — 20-Year Movement Advantage Under 3 Scenarios
Conservative: 3% growth, 6% returns. Base: 7% growth, 8% returns. Aggressive: 10% growth, 10% returns. BPS, 401k, and all other inputs held constant across scenarios. Vesting schedule applied (graded 5-year 20/40/60/80/100%).

Total Wealth Accumulation — 20-Year Projection

Current Employer
Movement Mortgage

Wealth Composition by Bucket — Years 1, 5, 10, 20

Net Cash
401(k)
Deferred Comp
Win Together Fund
AI Analysis

Compensation Structure Comparison

Run the analysis above to generate the AI financial assessment.
Disclaimer: This is a recruiting compensation comparison prepared by Movement Mortgage. It is not financial, legal, or tax advice. Projections use growth rates based on historical averages — these are not guaranteed returns. 401(k) assets projected at 7%/yr. IRS 401(k) limits applied annually. Deferred compensation and Win Together Fund contributions are the LO's own commission dollars routed into structured wealth vehicles — they are not employer contributions and are not subject to forfeiture upon separation. Insurance income methodology: New referrals = 50% of annual units × $85 avg new policy income. Renewal book: prior year's referred policies × 75% retention rate × $50 avg renewal income; compounded annually. Servicing bonuses assume 50% retained / 50% sold split. Current employer analysis reflects only compensation components entered above — your current employer may offer programs not modeled here. Consult a licensed financial professional before making any employment decision.