A Message from Endura Financial Investment Services
10 Ways to Save More for Retirement

Feel you need to do a little extra to make sure your retirement savings plans are on track? Here are some simple, straightforward tips to help you save more for your retirement years.

	Put more dollars into your company's 401(k) or other savings plan. Remember, you can elect to save up to $15,500 in 2007. At the very least, contribute up to your company match. Don't give away free money.
	Contribute to an IRA. If you qualify, the maximum you can contribute is $4,000 per year. In many cases, a Roth IRA is preferable to a traditional IRA.
	Pay yourself first. Each month, automatically deduct a set amount from your checking/share draft account and invest it for your retirement (possibly fund an IRA). After a while, you won't even miss it. Do this in addition to your company-sponsored retirement plan.
	Don't ever dip into your retirement savings, even if it's for a good thing, such as a home purchase or for education. Remember, it is for your RETIREMENT, that's why it's called retirement savings.
	Spend less now. If you're not putting enough away for your retirement and you don't know where to find the extra cash flow, you may have to set your priorities. For example, you've got a $450 payment on your car or truck. You may want to consider a less expensive vehicle and putting away $200 more a month for your retirement.
	See a financial advisor and develop a retirement savings plan. According to the 2006 Retirement Confidence Survey from the Employee Benefit Research Institute (EBRI), only 42% of workers have calculated their retirement savings needs. Yet this study shows that those who have done this calculation have more realistic goals and are saving more.
	Invest your savings appropriately. A big mistake is taking on too much risk or not taking enough. For example, 35-yearolds probably shouldn't be investing all their retirement savings in a fixed-rate, guaranteed investment. Make sure you're diversified.
	Commit to saving more. Try to calculate the most you think you can put away for retirement, then add 10% to this amount. Now you're getting committed. And you'll never regret saving this much.
	Never cash in your retirement dollars when you switch jobs. Avoid unnecessary taxes and penalties by rolling these dollars to another plan or an IRA.
	Start today. The earlier you start, the better the results. Even if you're 22 years old and in your first job, you won't regret any of these moves. Ready, set ... go! For help with your retirement dollars, contact Troy Barta, CFP® at 1-800-533-4004, ext. 7609 for a no-cost, no-obligation Retirement Planning Consultation. Today is the best time to get started!

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