The present invention concerns a system for optimizing employee retirement contributions comprising an optimization computer having one or more processors configured by code executing therein to access data from one or more retirement plan participants and derive, based on the accessed data, a hierarchy of proposals to maximize one or more features of the retirement account and to transmit such a derived hierarchy, and using a remote device configured to receive the hierarchy of retirement proposals and to generate in response to the transmission, a plurality of graphical elements, each graphical element corresponding to a particular strategy.