Retirement Planning in Your 30s
Build a Strong Foundation for the Future
Why Your 30s Matter Most
Compounding is your greatest advantage in your 30s. The earlier you start retirement planning, the less you have to save later to reach your goals. Whether you’re in Jackson, MS, or Chapel Hill, NC, your income is likely climbing—making this the perfect decade to build momentum. Setting a savings rate of 15–25% of your income can position you for long-term success while still balancing life’s milestones.
Building Smart Financial Foundations
Balancing debt payoff, investing, and choosing the right accounts is key to building momentum in your 30s. Our team helps you design a strategy that keeps growth and flexibility in balance.
Invest vs. Debt: Finding Your Mix
Many young professionals wonder whether to invest or focus on paying off debt. The best answer often lies in balance. High-interest debt like credit cards or certain private loans should take priority, but continuing contributions to your 401(k) or Roth IRA helps you capture compounding growth. Our advisors help you analyze your interest rates, employer match opportunities, and goals to create a strategy that fits your unique situation.
As a high earner, your retirement savings options go beyond the basics. We’ll help you maximize your 401(k) match, explore Roth IRA or backdoor Roth contributions, and even leverage HSAs for future healthcare expenses. For clients in employer-sponsored plans, we evaluate “mega backdoor” 401(k) opportunities that allow additional after-tax contributions for tax-efficient growth.
Action Plan and Checklists
We make getting started easy. Our 90-day setup includes reviewing employer benefits, establishing your investment strategy, and setting up automatic savings. From there, we meet annually to review your progress, rebalance portfolios, and update goals as your life evolves.
Aligning Life & Financial Goals
Major life milestones—whether it’s buying a home or starting a family—should strengthen, not delay, your retirement goals. We help ensure your short-term dreams fit into your long-term vision.
Milestones in Jackson & Chapel Hill
Whether you’re saving for your first home in Belhaven or Fondren, or starting a family in Meadowmont or Southern Village, these life events shape your financial picture. We help align short-term goals with long-term growth, so each milestone supports—not delays—your retirement future.
Protection for What’s Next
As income rises, so do responsibilities. We ensure you have the right insurance coverage—disability income protection, term life insurance, and a fully funded emergency fund—so your plan can weather uncertainty without sacrificing progress.