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Unlock opportunities to speed up retirement contributions

Retirement contributions can be complex. Unsure about your options? Most common questions are answered below. For more guidance, schedule a call with a Facet expert to get help boosting your retirement savings and making smarter financial choices.

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Increase your 401k, IRA, and HSA contributions after 50.
Unlock $30.5K and $1K catch-up limits*

Secure Your Future Beyond 50

If you’re 50 or older, it’s prime time to accelerate your retirement savings. Catch-up contributions allow you to add an extra $7,500* annually to your employer-sponsored retirement plans like 401k, 403b, and 457 plans. This means instead of the standard limit, you can significantly boost your savings, paving the way for a more comfortable and secure retirement.*

Why Consider Catch-Up Contributions?

  • Enhance Your Retirement Nest Egg: Take advantage of the opportunity to increase your retirement savings, ensuring you have the funds you need to enjoy your golden years to the fullest.

  • Tax Benefits: Catch-up contributions can also offer tax advantages, potentially lowering your taxable income.

Turning 50 opens the door to an additional $1,000 you can contribute to your Individual Retirement Account (IRA) annually. It’s a simple yet effective way to ensure your retirement savings are on solid ground.*

HSA Contributions After 55

Healthcare costs are a significant consideration for retirees. If you’re 55 or older, boosting your Health Savings Account (HSA) by an extra $1,000 each year can help cover these expenses, giving you additional peace of mind.**

How A Certified Financial Planner Professional Can Help

Maximizing your retirement contributions is just part of the journey. We believe integrating this into a personalized plan designed to help you with every important financial decision is the best next step.

What you need to know: Taking action now will maximize impact. Every month you wait means less opportunity to lock in the value of these catch up contribution programs.

Sources:
* https://www.irs.gov/retirement-plans/plan-participant-employee/retirement-topics-catch-up-contributions
** https://www.irs.gov/publications/p969 

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How we’re different.

At Facet, we never earn commissions, so our success is only measured in terms of your satisfaction and financial security. We achieve this through personalized financial advocacy that’s changing expectations, industry-wide. Here’s how we set ourselves apart:
What am I actually getting?
What are the minimum assets required?
How is my planner qualified?
How will we meet?
How will technology be used?
How will my fees be calculated?
What am I actually getting?
Personalized, jargon-free advice for everything money impacts in your life + help executing your plan
What are the minimum assets required?
$0
How is my planner qualified?
Always a CFP® Professional (the highest possible certification)
How will we meet?
Up to 4 virtual meetings (year 1) and varying sessions based on membership tier (years 2+)
How will technology be used?
Easy-to-use platform with key info in one place
How will my fees be calculated?
Investment management is included in your membership
Traditional financial advisor
What am I actually getting?
Usually a 30-60+ page report that mostly focuses on your investments
What are the minimum assets required?
Typically $100K or more
How is my planner qualified?
Titles are unregulated and misleading - not always a CFP® Professional
How will we meet?
Typically one or two meetings/year, usually in-person, during business hours
How will technology be used?
Technology is usually not a central part of the service
How will my fees be calculated?
Varies; typically a % of what you invest, plus fees. Cost increases as your money grows
Robo-advisor
What am I actually getting?
A “robot” or algorithm, that manages your investments; sometimes can ask a person one-off questions for an additional fee
What are the minimum assets required?
Varies
How is my planner qualified?
No, or limited access to, a financial planner
How will we meet?
No--or only ad hoc--meetings
How will technology be used?
Technology is typically the only service offered
How will my fees be calculated?
A % of what you invest, plus fees. Cost increases as your money grows
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What Facet members are saying.

"At Facet we found an approach that works for us that gives us clarity & insights into our finances."
- Zach and Maggie
"Before Facet it almost felt like I worked for my money, and now my money works for me."
- Colby
"This is exactly what I've been looking for. Facet has everything I need to manage my money."
- Alyssa

Colby is a current Facet member and received a free membership for providing this testimonial. Zach, Maggie, and Alyssa are current Facet members and did not receive compensation for providing this endorsement. All opinions are their own and not a guarantee of a similar outcome. Facet is an SEC RIA. Facet’s specific investment management services vary depending upon the chosen service level. This is not an offer to sell securities.