It may seem hard to believe, but the first phase of investing for your retirement begins the moment you first enter the workforce on a permanent or full time basis. Perhaps you have finished any formal education you had planned for and are now working in one of your first “career” jobs.

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Start Smart

While retirement might not be at the forefront of your current concerns, it should still be a consideration at this time. Financial decisions made at this point in your life can have a major impact in the later stages of your retirement planning process.

Learn How to Start Smart

The Basics of Saving and Investing

Developing achievable saving and investing goals can help you on your road to freedom, security or affording the kind of lifestyle you want. Take the time to create a personal investment plan.

Learn More About the Basics of Saving and Investing

Conversation Starter: Getting Started

Communication is an essential part of a healthy financial and personal relationship. The conversation about money should be an open and honest dialogue with your spouse or significant other about your current financial situation and your investment goals.

Conversation Starter