Whether you are just starting out or rounding out your career, every new year provides a chance to begin again. Life has a way of changing, and our financial priorities are always shifting. Now is a good time to reflect on how far you’ve come and where you want to go.

Make 2025 the year you revise your financial goals, get on track for retirement, realign your contributions to help meet your savings goals, or consider consolidating all of your retirement assets in one place. Finding new ways to get and stay financially healthy is a great resolution for us all.

• Where to start? First, review all of the benefits your workplace can offer. Make sure you are insured to protect your health and your wealth with the right amounts of life, disability and health insurance. This way if the unexpected happens you may be less likely to have to borrow from your savings.
• Are you saving enough for retirement? Review the 2025 contribution limits and consider increasing your contributions to get closer to the annual limit.
• Review myOrangeMoney® in your ABA Retirement Funds Program retirement plan account to see if your estimated monthly replacement income is lower than you may need in retirement. Getting back on track for retirement and kicking your savings up a notch is always wise, no matter the year.
• If you have multiple retirement savings accounts from previous employers, consider exploring the option to consolidate those assets. This can help keep your investment options consistent within the same account, with one login to make it easier to monitor and manage your retirement savings.

Pay attention to where you are in life.

• The younger you are, the more time your money has to earn. Saving consistently, even if it’s just a little every month, has the potential to add up over time.
• If you are nearing retirement and over the age of 50, catch-up contribution options are available to help you save thousands more towards retirement.
• If you’re already retired, you can still actively manage your investments and utilize all of the Program’s resources and tools to stay on top of changing markets. Log in to your account regularly to tap into these tools and get guidance when needed to help preserve what’s yours and create the income you need in retirement.

In 2025, take advantage of every available retirement benefit and resource to put time on your side so you can work toward achieving your retirement goals. Retirement will come faster than you think. Visit the Program Overview site to learn more about the resources available to you through your retirement plan.