Retirement Discussion

Of course! The company offers a 401K with a dollar-for-dollar match up to 6% of your salary. That is essentially free money. Are you currently enrolled?

I would strongly recommend it. By only contributing 3%, you are leaving 3% of your salary in company matching on the table every year. Over a career, that adds up to a significant amount.

You can change it anytime through the employee benefits portal. The change takes effect next pay period. I will also send you info about our investment options so you can review them.

Two years is a great lead time. First, let us review your benefits package to see where you stand. Have you met with a financial advisor to review your retirement savings?

That is a common concern. If you retire at 65 or older, you are eligible for Medicare. We also offer a retiree health benefit that bridges the gap until Medicare kicks in if you retire earlier. Let me pull up the details for you.

Actually, yes. We have a phased retirement program where you can reduce your hours gradually over 12 to 18 months. Many employees find this a much smoother transition. I will include all these options in a retirement planning packet for you.