Beginning a new job is an exciting time, but it’s also important to think ahead. We’ll help you get started with a retirement plan that makes sense for your current position and future goals. Start your career with confidence knowing your financial future is on track.
We make financial planning easy, even when you’re just getting started in a new job. First, we’ll chat about where you’re at and what you want for your future. Then, we’ll put together a plan that grows with you—covering everything from setting up your 401(k) to creating a savings strategy. We keep things simple so you can focus on your new role, while we help you lay the groundwork for a solid financial future. With us, it’s all about making sure you feel confident every step of the way.
We know you’ve got a lot on your plate with a new job, and financial planning might feel overwhelming. Here are some of the most common questions we get from people in your shoes. Our answers are designed to make everything simple and actionable, so you can start building your financial future with confidence.
It’s never too early to start saving for retirement. In fact, the earlier you begin, the more time your money has to grow through compound interest. Even if you can only contribute a small amount from each paycheck, that money will grow significantly over time. The key is consistency—setting up automatic contributions can help. Even if retirement seems far off, saving early makes a huge difference in the long run, allowing you to reach your goals faster with less stress down the line.
If your employer offers a 401(k) match, aim to contribute at least enough to get the full match—this is essentially free money that boosts your retirement savings. From there, a general rule of thumb is to contribute 10-15% of your income toward retirement. However, if you’re just starting out and can’t afford to save that much, don’t worry. Start with what you can and increase your contributions as your income grows. It’s all about building good habits and adjusting over time.
If you have a 401(k) from a previous job, you have a few options. You can leave it where it is, roll it over into your new employer’s plan, or transfer it to an IRA. Each option has its pros and cons, so it’s important to choose the one that fits your current financial situation and long-term goals. Rolling over your 401(k) can help you consolidate your accounts, making it easier to manage, while an IRA may give you more investment options. We’ll guide you through the process to ensure your money continues working for you.
Nacogdoches
Phone: 936-303-0308
2400 North Stallings Drive, Suite 303
Nacogdoches, Texas 75964
FLINT
Phone: 903-956-1960
16735 Gresham Circle, Suite 7
Flint, Texas 75762
By appointment only.
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