How to make an impact on your retirement savings:

Let’s talk about what you CAN control and what you CAN’T control.

Hear from Chief Investment Officer, Spencer Seggebruch.

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Making an impact on your retirement savings is essential for securing a comfortable and stress-free future. With the help of financial advisor Spencer Seggebruch, we have compiled a list of strategies to help you get the most out of your retirement savings.

1. Start Early
One of the most effective ways to make an impact on your retirement savings is to start saving as early as possible. The power of compounding interest means that the earlier you start saving, the more your money will grow over time. Even small contributions made in your 20s or 30s can have a significant impact on your retirement savings.

2. Maximize Contributions
Maxing out your retirement savings contributions, such as a 401(k) or IRA, is a great way to accelerate your savings growth. Take advantage of any matching contributions offered by your employer, as this is essentially free money that can help boost your savings even further.

3. Diversify Your Investments
Spencer Seggebruch advises diversifying your retirement portfolio to spread risk and maximize returns. By investing in a mix of stocks, bonds, and other assets, you can create a balanced portfolio that is better equipped to weather market fluctuations.

4. Be Mindful of Fees
High fees can eat into your retirement savings, so it’s important to be aware of the costs associated with your investments. Look for low-cost investment options and avoid unnecessary fees whenever possible.

5. Review and Adjust Regularly
It’s important to regularly review and adjust your retirement savings strategy to ensure that it aligns with your financial goals and risk tolerance. Spencer Seggebruch recommends revisiting your retirement plan at least once a year to make any necessary adjustments.

6. Consider a Roth IRA
A Roth IRA can be a great option for making an impact on your retirement savings, as it offers tax-free withdrawals in retirement. If you expect to be in a higher tax bracket in retirement, a Roth IRA can save you a significant amount of money in the long run.

7. Plan for Healthcare Costs
Medical expenses can be a significant burden in retirement, so it’s important to plan for healthcare costs when saving for retirement. Consider opening a health savings account (HSA) or investing in a long-term care insurance policy to help cover potential medical expenses in retirement.

By following these strategies and seeking the advice of a financial professional like Spencer Seggebruch, you can make a significant impact on your retirement savings. Starting early, maximizing contributions, diversifying investments, and staying mindful of fees are all effective ways to ensure a comfortable and secure retirement. With careful planning and regular adjustments, you can set yourself up for a financially stable future.