According to national experts, the retirement* rule of thumb states that, by the time you’re 45, the equivalent of four years’ salary should be saved for future needs.

However, there’s no need to panic if you haven’t accumulated that level of resources yet. There’s still time to invest in the days ahead by taking the following steps:

• Contribute the annual maximum to both 401(k)s and Roth IRAs
• Roll over an old 401(k) plan
• Pay off high-interest debt
• Prioritize retirement before a child’s education
• Get professional planning assistance

At America First, we’re ready to help you create a solid guideline that can lead to financial success in all of life’s many stages.

Learn more and connect with a dedicated CFS** Advisor today for a no-cost, no-obligation appointment. Get details by calling 1-800-999-3961 or visiting americafirst.com.

*Source: cnbc.com. **Non-deposit investment products and services are offered through CUSO Financial Services, L.P. (CUSO Financial), a registered broker/dealer (Member FINRA/SIPC) and SEC Registered Investment Advisor. Products offered through CUSO Financial are not NCUA/NCUSIF or otherwise federally insured, are not guarantees or obligations of the credit union, and may involve investment risk, including possible loss of principal. Investment representatives are registered through CUSO Financial. The credit union has contracted with CUSO Financial to make non-deposit investment products and services available. Atria Wealth Solutions, Inc. (Atria) is a modern wealth-management solutions company and is not a registered investment advisor or broker-dealer. Investment products, services, and advice are only provided through CUSO Financial, a subsidiary of Atria.