“If you can walk and chew gum at the same time, then you can plan for your retirement while also paying off debt. Time is irreplaceable, so let’s not waste it.”

– Martha Catt in response to financial gurus who focus almost exclusively on paying down debt before saving for retirement.

It is never too early to start planning for retirement. Today’s retirees may live as long in retirement as they worked, so assuring reliable retirement income could not be more important.

For State of North Carolina employees there is an added complexity. NC State benefits are written into law. Laws cannot be changed retroactively, but they can be changed for those who are not yet vested or not yet employed. This means that if you’ve been working for a while, the law governing your benefits may not be what new employees are told about their benefits. All the more reason to take extra care before making a move.

If you are not using your employer-sponsored retirement savings plan because you don’t understand it, we can help you. We can unlock the mysterious language of your employer’s benefit communications. If you find dealing with your employer’s third-party administrator bewildering, we can do it together.

We can help you balance your retirement savings with other financial goals, so you are prepared for whatever curve balls life may throw at your family.