Staying on Track

Are you saving enough, the right way, to be ready for retirement?


There are many steps you can take to put yourself on a sound retirement savings footing. Increasing your contributions on a regular basis — say, during open enrollment, on your job anniversary date, the New Year, or your birthday — is a great and often painless way to increase your savings and could make a big difference at retirement time.  

  • If not already enrolled, talk to your benefits administrator about enrolling today!
  • Increase your annual contribution to the maximum amount allowed.
  • Increase contributions to maximize any employer matching contributions.
  • Update your designated beneficiaries.
  • Review your account allocation periodically. Study the menu of investment choices — the more you know about the choices, investing, and your investment goals, the more likely you will choose wisely.

If you take any of these steps periodically, you may enjoy a significant boost to your account value by the time you retire. It doesn't take a lot to start saving. And every dollar may make a difference in the long run. 

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By raising your per-paycheck contributions, you increase your potential to save.

Catch-up contributions let you save more tax-deferred money for retirement, beyond the normal maximum contribution limit for the year. It’s never too late to start planning and saving for retirement. Even if you’re over 50, you may be eligible to make an age 50 or over catch-up contribution to help you make up for lost time. 

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Your employer also may be making contributions to your plan! If your employer is matching all or some of your contributions to the retirement savings plan, when you combine this match with the amount of your contribution, plus any tax-deferred earnings your account may accumulate, you have multiple engines of potential growth that can enhance your financial security in retirement.

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If you’re about to change jobs, you have different options available to you to manage your retirement plan.

Anything you contribute — including rollover contributions and any earnings on that money — is always 100% vested. Your employer’s contributions may be subject to a vesting schedule, check with your employer for the specific vesting schedule for your plan. 

When to take distributions from your employer-sponsored retirement savings plan is up to you, but required minimum distributions (RMDs) must be taken each year beginning with the year you turn age 73. Educate yourself before you make one of the most important financial decisions of your life. 

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Get an idea of your risk tolerance–one of the fundamental issues to consider when planning your investment strategy.

Risk Tolerance Questionnaire

Get Educated!

See how our videos can help you plan your financial future.

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The information contained within this website is intended to be informational in nature and should not be considered a recommendation or individualized advice to a specific individual. Links to third party websites are provided for your convenience and information only. The content in any linked websites is not under our control and we are not responsible for it.

Before individuals make any decision as to which type of employee contribution is best, individuals’ traditional deferrals or designated Roth contributions, review individuals' strategy with an independent tax advisor. 

Any discussion of taxes is for general informational purposes only, does not purport to be complete or cover every situation, and should not be construed as legal, tax or accounting advice. Clients should confer with their own qualified legal, tax and accounting advisors as appropriate.