Retirement Savings Moves to Make Now

Thursday, July 3, 2025

Simple ways to boost your retirement accounts.

Retirement can seem far away, but it’ll be here before you know it. That means you should be thinking of how you’ll afford your golden years way before they arrive. Here are some moves to make that will help set you up for a comfortable retirement.


Match It

If your company has a 401(k) plan, that’s great. If your company has a plan and a contribution match, that’s even better.
  • Check with your company about the 401(k) match amount.
  • Aim to hit the match amount or more. (That’s free money you don’t want to leave on the table, especially if you have many years before retirement.)
  • Try to max out your 401(k) contributions.


Save, Save, Save

Everyone is different, but you should aim to save as much as possible for retirement as you can. Not sure how much to save? You can use our retirement calculator. You can also go by the general rule of thumb to save about 15 percent of your income for your golden years.


Play Catch Up

If you are later in your career, take advantage of catch-up contributions.
  • If you’re over 50, you can save an extra $1,000 in your IRA, bringing the total to $8,000.
  • For those over 50 with a 401(k), you can save up to $31,000. That’s an extra $7,500 in catch-up contributions.
  • Those under 50 can only contribute $23,500 to their 401(k).


Plan Smarter, Retire Confidently

Planning for retirement isn’t just about saving—it’s about making your money work strategically for your future. That’s where WCCU's Wealth Management team comes in. Whether you’re just getting started or looking to fine-tune your existing plan, we can help you create a personalized roadmap to reach your retirement goals.

Schedule your complimentary consultation with our Wealth Management team today and take the next step toward a more confident retirement.

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Article adapted from '3 Retirement Savings Moves to Make Now' 3/6/2025 by Chris O'Shea