How to max 401k up to exact limit?

[Andrew S.]

Good morning,

So far this year, I have contributed $12k to my 401k.  I'd like to contribute up to the max $19,500.  I'm able to change my contribution percentage up to 75%. My pretax pay is $3912 per 2 weeks or $7825 per month. If I change my contribution to 75% (assuming it changes before Dec 15th) then I'll contribute an additional $5869.  Total of $17,869 for the year.  

Is there a way to do a "one-time" contribution?  I know it's complicated because 401k contributions are pre-tax. My 401k is through Fidelity. 
Thanks,

Andrew

[Steven Nguyen]

You are able to allocate 75%+ of a few paychecks if you are planning to max out the 401k.  I've done it on Voya and Transamerica.  Your best bet is to call Fidelity directly and inquire for assistance.

On a side note, have you considered using tax free investment vehicles - ROTH 401k/IRA, HSA, or indexed universal life insurance? If you are a buy and hold real estate investor like myself, we will likely be in higher tax brackets when older vs today as the 30 year mortgages are paid off. I'd rather pay the taxes on the seeds vs harvest and get the taxes over with today. As such, I max out my roth 401k, roth IRA, and indexed universal life. Just some food for thought.