20s and 30s – Just Starting Out

You are in your 20’s and 30’s – focused on starting your career, a family or buying your first home. You are not worried about retirement. It seems so far off. It may be, but every step you take to fund your retirement now is one more step you take in the right direction. The longer you wait to start putting aside money for retirement, the harder it is to ensure you will have the necessary funds when you decide to stop working.

There are plenty of reasons you may have for not yet saving for retirement. The earlier you start, the better prepared you will be. Talk with us. We may be able to help you find a way.

If you´re eligible to participate in a 401(k) at work, it’s usually a good idea to do so. There are plenty of reasons to use company sponsored retirement plans. Perhaps the first reason is that many employers match your contributions in order to encourage your participation. Who doesn’t like “free” money? By saving in this way, you could start putting money away today and quite possibly have a healthy retirement fund by the time you’re ready to retire.

Start with a discussion to review your goals and determine your risk tolerance. Call us today to find out ways to save for your retirement.

• Start saving ASAP
• Consider signing up for that 401(k)
• Consider using a Roth
• Consider being more aggressive with your savings
• Get educated about your savings options
• Build an emergency fund
• Avoid bad debt