🕷️ Crawler Inspector

URL Lookup

Direct Parameter Lookup

Raw Queries and Responses

1. Shard Calculation

Query:

Response:

Calculated Shard: 54 (from laksa198)

2. Crawled Status Check

Query:

curl -X POST \
  'http://laksa054.int.ahrefs:8124/' \
  -H 'Content-Type: text/plain' \
  -H 'X-ClickHouse-Database: crawler3' \
  -H 'Authorization: Basic YXBpOg==' \
  -d 'SELECT getAhrefsURLFromUnparsed(src_unparsed) AS found_url, ifNull(toUnixTimestamp(download_stamp), 0) AS crawl_time, ifNull(toUnixTimestamp(props_url_first_seen), 0) AS first_indexed_time, download_http_code AS http_code, src_unparsed AS src_unparsed, src_root_hash AS src_root_hash, history_drop_reason AS history_drop_reason, meta_title AS meta_title, meta_descriptions AS meta_descriptions, attrs_boilerpipe_text AS attrs_boilerpipe_text, attrs_markdown AS attrs_markdown, attrs_readable_markdown AS attrs_readable_markdown, meta_canonical AS meta_canonical FROM crawler3.page_info_local FINAL PREWHERE (src_root_hash, src_unparsed) IN ((getAhrefsRootHashFromUnparsed(getAhrefsUnparsedNoserviceFromURL(\'https://trustpointinc.com/additional-401k-contribution/\')), getAhrefsUnparsedNoserviceFromURL(\'https://trustpointinc.com/additional-401k-contribution/\'))) FORMAT JSONEachRow'

Response:

{"found_url":"https:\/\/trustpointinc.com\/additional-401k-contribution\/","crawl_time":1775317418,"first_indexed_time":1685746702,"http_code":200,"src_unparsed":"com,trustpointinc!\/additional-401k-contribution\/ s443","src_root_hash":"5057557436604635054","history_drop_reason":null,"meta_title":"How to Make Additional Contributions to Your 401(k) - Trust Point","meta_descriptions":["No matter how good you are with saving money, there is always room to do more, especially for your 401(k). Learn how to make additional contributions to your 401(k)."],"attrs_boilerpipe_text":"Saving money comes easier to some than others.  Good money management means having the discipline to consistently put money aside and save vs. spend, in order to stay on track with your financial goals.  Whether you are a consistent saver or need some help putting funds away for retirement, there is always room to do more. This is especially true for your 401(k). Before we jump into the different ways to make additional contributions, let’s first discuss the current regulations for 401(k)s.\nCurrent 401(k) Regulations\nFor 2025, the contribution limit for employees who participate in a 401(k) is $23,500. Those aged 50 to 59, or 64 or older are eligible to contribute and additional $7,500 in catch-up contributions. Beginning in 2025, those between ages 60 and 63 are eligible to contribute a catch-up contribution up to $11,250. These numbers also apply to other saving avenues, like a 403(b), most 457 plans, and the federal government’s Thrift Savings Plan.\nPlease note, if you have multiple 401(k) accounts, you are still limited to contributing the total employee contribution amount of $23,500 between all your plans.\n3 Ways to Make Additional 401(k) Contributions\nIf you believe that you need to start making some additional contributions to your 401(k), here are three options to consider:\nYear-End Bonuses\nYear-end bonuses are actually a great way to add to your 401(k). Supplemental pay, like bonuses, are typically subject to a higher withholding rate compared to your regular pay. Employers will usually either use a bonus tax rate of 25%, or they will combine the bonus with an ordinary paycheck and then withhold tax using traditional tax tables. So, no matter which way your employer operates, you’ll see a higher rate of tax withholding.\nTo avoid this scenario, you can request that your employer make a larger 401(k) deduction from your bonus. If you take this approach, the money is placed into your 401(k) where it won’t be taxed until you retire. Keep in mind, this money is still subject to the annual contribution limits for a 401(k).\nIncrease Your standard 401(k)\nThose who save up every nickel and dime that comes their way understand how small changes to help increase their savings can be crucial to meeting their goals for retirement.  These small savings add up over time and can make a huge difference to your 401(k) down the road. You can increase the amount currently set aside for your 401(k) by as little as one percent, and that small increase will certainly add up. Pump up your contribution rate each year by increasing it by one to two percent. The best time to do so is when you get a wage increase or pay off a loan. That way, you won’t feel the impact on your pocketbook as much.  It especially makes sense if you’re in your 50s, due to the contribution limit being higher than when you’re under 50-years-old.\nCheck out\nTrust Point’s Retirement Calculator\nto see how even the slightest increase in your standard contribution set aside in each paycheck can benefit you in the long run.\nAfter-Tax Contributions\nOne of the less popular ways to make an additional contribution to your 401(k) is to do so with an after-tax contribution.  This can be beneficial particularly in cases where expected tax rates in the future are projected to increase.\nAfter-tax contributions are exactly what they sound like – when you make a contribution with money that’s already been taxed. An important thing to remember about these contributions is that you must claim these contributions on your income tax return for the year in which they were made.  So, as the taxpayer, you may be entitled to a refund based on your contributions at the going tax rate.\nThere isn’t much incentive to add money to your 401(k) this way that’s why people don’t typically make this type of contribution. The additional money put towards your 401(k) is not tax-deductible, like it would be when it comes directly from your paycheck.  However, once these after-tax contributions are made, they accumulate investment income on a tax-deferred basis. Therefore, these contributions will not only allow you to have more money when you retire, but you’ll also have the option to retire earlier, if that is your goal.\nThese benefits can make after-tax contributions enticing for some.\nWork with a Financial Professional\nAs an employee, it is important that you take full advantage of the retirement plan options available from your employer. No matter if you’re a young professional just starting work, or someone nearing retirement, the more you know about your finances, the better your chances of reaching your goals. At Trust Point, we provide you with the tools you need to maximize the benefits from your retirement plan.\nWe know that\nplanning for retirement\ncan be stressful, and we want to help lessen this burden by helping you create a concrete plan that will leave you confident and prepared for the future, no matter what it holds for you. \nContact Trust Point today\nfor assistance with your financial planning!","attrs_markdown":"![](https:\/\/www.facebook.com\/tr?id=1081093041963866&ev=PageView&noscript=1) ![](https:\/\/www.facebook.com\/tr?id=175889119436867&ev=PageView&noscript=1)\n\nGeneral Inquiry [800-658-9474](tel:800-658-9474)   401(k) Inquiry  [800-458-9111](tel:800-458-9111)\n\n[Click Here to Select Your Login](https:\/\/trustpointinc.com\/login)\n\n[![Trust Point Logo](https:\/\/spcdn.shortpixel.ai\/spio\/ret_img,q_cdnize,to_webp,s_webp\/trustpointinc.com\/wp-content\/uploads\/2023\/03\/trust-point-logo.svg)](https:\/\/trustpointinc.com\/)\n\n- [What We Do](https:\/\/trustpointinc.com\/what-we-do\/)\n  - [Wealth Management](https:\/\/trustpointinc.com\/what-we-do\/wealth-management\/)\n    - [Financial Planning](https:\/\/trustpointinc.com\/what-we-do\/wealth-management\/financial-planning\/)\n    - [Retirement Planning](https:\/\/trustpointinc.com\/what-we-do\/wealth-management\/retirement-planning\/)\n    - [Investment Management](https:\/\/trustpointinc.com\/what-we-do\/wealth-management\/investing\/)\n    - [Business Services](https:\/\/trustpointinc.com\/what-we-do\/wealth-management\/business-services\/)\n    - [Exit Planning](https:\/\/trustpointinc.com\/business-exit-planning\/)\n    - [Family Office](https:\/\/trustpointinc.com\/what-we-do\/family-office\/)\n  - [Trusts & Estates](https:\/\/trustpointinc.com\/what-we-do\/trust-estate-services\/)\n    - [Trust Administration](https:\/\/trustpointinc.com\/what-we-do\/trust-estate-services\/trust-administration\/)\n    - [Estate Settlement](https:\/\/trustpointinc.com\/what-we-do\/trust-estate-services\/estate-settlement\/)\n    - [Delaware Statutory Trusts](https:\/\/trustpointinc.com\/what-we-do\/wealth-management\/delaware-statutory-trusts\/)\n    - [Charitable Giving](https:\/\/trustpointinc.com\/what-we-do\/trust-estate-services\/charitable-giving\/)\n    - [Supplemental Needs Trusts](https:\/\/trustpointinc.com\/what-we-do\/trust-estate-services\/supplemental-needs-trusts\/)\n    - [BP What Trust is Right for Your?](https:\/\/trustpointinc.com\/blog\/)\n    - [What Trust is Best for You?](https:\/\/trustpointinc.com\/what-trust-is-best-for-you\/)\n  - [401(k) Plans](https:\/\/trustpointinc.com\/what-we-do\/401k-plans\/)\n    - [Employer Resources](https:\/\/trustpointinc.com\/resources\/#resources)\n    - [Employee Resources](https:\/\/trustpointinc.com\/resources\/#employee)\n    - [Fiduciary Oversight](https:\/\/trustpointinc.com\/what-we-do\/401k-plans\/#fiduciary-oversight)\n  - [Non-profit Services](https:\/\/trustpointinc.com\/what-we-do\/non-profit-foundation-services\/)\n  - [401(k) Participants](https:\/\/trustpointinc.com\/what-we-do\/401k-participants\/)\n  - [Emerj360](https:\/\/emerj360.com\/)\n  - [Compare Solutions](https:\/\/trustpointinc.com\/what-we-do\/)\n- [Who We Are](https:\/\/trustpointinc.com\/who-we-are\/)\n  - [Our Story](https:\/\/trustpointinc.com\/who-we-are\/our-story\/)\n    - [Locations](https:\/\/trustpointinc.com\/who-we-are\/#locations)\n    - [Community](https:\/\/trustpointinc.com\/who-we-are\/our-story\/community\/)\n  - [Our Approach](https:\/\/trustpointinc.com\/who-we-are\/our-approach\/)\n    - [The Trust Point Way](https:\/\/trustpointinc.com\/who-we-are\/#tpway)\n    - [Fiduciary Responsibility](https:\/\/trustpointinc.com\/who-we-are\/our-approach\/fiduciary-resp\/)\n  - [Our Team](https:\/\/trustpointinc.com\/who-we-are\/our-team\/)\n    - [Careers](https:\/\/trustpointinc.com\/careers\/)\n- [Who We Help](https:\/\/trustpointinc.com\/who-we-help\/)\n  - [Individuals and Families](https:\/\/trustpointinc.com\/who-we-help\/#wealthy-individuals-and-families)\n  - [Non-Profit Organization & Foundation Services](https:\/\/trustpointinc.com\/who-we-help\/#non-profit-organizations-and-foundations)\n  - [Business Owners](https:\/\/trustpointinc.com\/who-we-help\/#business-owners)\n  - [Emerging Investors](https:\/\/trustpointinc.com\/who-we-help\/#emerging-investors)\n  - [Centers of Influence (COI’s)](https:\/\/trustpointinc.com\/who-we-help\/#financial-partners)\n  - [Women](https:\/\/trustpointinc.com\/who-we-help\/#women)\n- [Resources](https:\/\/trustpointinc.com\/news-insights\/)\n  - [News & Insights](https:\/\/trustpointinc.com\/blog\/)\n  - [Videos](https:\/\/trustpointinc.com\/news-insights\/videos\/)\n  - [Newsletter Sign-up](https:\/\/trustpointinc.com\/news-insights\/newsletter-sign-up\/)\n  - [Magazine](https:\/\/trustpointinc.com\/trust-point-magazine\/)\n- [Contact Us](https:\/\/trustpointinc.com\/contact-us\/)\n- [Careers](https:\/\/trustpointinc.com\/careers\/)\n- [Login](https:\/\/trustpointinc.com\/login\/)\n\nGeneral Inquiry [800-658-9474](tel:800-658-9474)   401(k) Inquiry  [800-458-9111](tel:800-458-9111)\n\n[Click Here to Select Your Login](https:\/\/trustpointinc.com\/login)\n\n[![Trust Point Logo](https:\/\/spcdn.shortpixel.ai\/spio\/ret_img,q_cdnize,to_webp,s_webp\/trustpointinc.com\/wp-content\/uploads\/2023\/03\/trust-point-logo.svg)](https:\/\/trustpointinc.com\/)\n\n- [What We Do](https:\/\/trustpointinc.com\/what-we-do\/)\n  - [Wealth Management](https:\/\/trustpointinc.com\/what-we-do\/wealth-management\/)\n    - [Financial Planning](https:\/\/trustpointinc.com\/what-we-do\/wealth-management\/financial-planning\/)\n    - [Retirement Planning](https:\/\/trustpointinc.com\/what-we-do\/wealth-management\/retirement-planning\/)\n    - [Investment Management](https:\/\/trustpointinc.com\/what-we-do\/wealth-management\/investing\/)\n    - [Business Services](https:\/\/trustpointinc.com\/what-we-do\/wealth-management\/business-services\/)\n    - [Exit Planning](https:\/\/trustpointinc.com\/business-exit-planning\/)\n    - [Family Office](https:\/\/trustpointinc.com\/what-we-do\/family-office\/)\n  - [Trusts & Estates](https:\/\/trustpointinc.com\/what-we-do\/trust-estate-services\/)\n    - [Trust Administration](https:\/\/trustpointinc.com\/what-we-do\/trust-estate-services\/trust-administration\/)\n    - [Estate Settlement](https:\/\/trustpointinc.com\/what-we-do\/trust-estate-services\/estate-settlement\/)\n    - [Delaware Statutory Trusts](https:\/\/trustpointinc.com\/what-we-do\/wealth-management\/delaware-statutory-trusts\/)\n    - [Charitable Giving](https:\/\/trustpointinc.com\/what-we-do\/trust-estate-services\/charitable-giving\/)\n    - [Supplemental Needs Trusts](https:\/\/trustpointinc.com\/what-we-do\/trust-estate-services\/supplemental-needs-trusts\/)\n    - [Which Trust is Best for You?](https:\/\/trustpointinc.com\/what-trust-is-best-for-you\/)\n  - [401(k) Plans](https:\/\/trustpointinc.com\/what-we-do\/401k-plans\/)\n    - [Employer Resources](https:\/\/trustpointinc.com\/resources\/#resources)\n    - [Employee Resources](https:\/\/trustpointinc.com\/resources\/#employee)\n    - [Fiduciary Oversight](https:\/\/trustpointinc.com\/what-we-do\/401k-plans\/#fiduciary-oversight)\n  - [Emerj360](https:\/\/emerj360.com\/)\n  - [Non-Profit Services](https:\/\/trustpointinc.com\/what-we-do\/non-profit-foundation-services\/)\n  - [401(k) Participants](https:\/\/trustpointinc.com\/what-we-do\/401k-participants\/)\n  - [Compare Solutions](https:\/\/trustpointinc.com\/what-we-do\/#compare-solutions)\n- [Who We Are](https:\/\/trustpointinc.com\/who-we-are\/)\n  - [View Our Story](https:\/\/trustpointinc.com\/who-we-are\/our-story\/)\n    - [Locations](https:\/\/trustpointinc.com\/who-we-are\/#locations)\n    - [Community](https:\/\/trustpointinc.com\/who-we-are\/our-story\/community\/)\n  - [View Our Approach](https:\/\/trustpointinc.com\/who-we-are\/our-approach\/)\n    - [The Trust Point Way](https:\/\/trustpointinc.com\/who-we-are\/#tpway)\n    - [Fiduciary Responsibility](https:\/\/trustpointinc.com\/who-we-are\/our-approach\/fiduciary-resp\/)\n  - [View Our Team](https:\/\/trustpointinc.com\/who-we-are\/our-team\/)\n    - [Careers](https:\/\/trustpointinc.com\/careers\/)\n    - [Young Professionals](https:\/\/trustpointinc.com\/who-we-are\/our-team\/young-professionals\/)\n- [Who We Help](https:\/\/trustpointinc.com\/who-we-help\/)\n  - [Individuals and Families](https:\/\/trustpointinc.com\/who-we-help\/#wealthy-individuals-and-families)\n  - [Non-Profit Organizations & Foundations](https:\/\/trustpointinc.com\/who-we-help\/#non-profit-organizations-and-foundations)\n  - [Business Owners](https:\/\/trustpointinc.com\/who-we-help\/#business-owners)\n  - [Emerging Investors](https:\/\/trustpointinc.com\/who-we-help\/#emerging-investors)\n  - [Centers of Influence (COI’s)](https:\/\/trustpointinc.com\/who-we-help\/#financial-partners)\n  - [Women](https:\/\/trustpointinc.com\/who-we-help\/#women)\n- [Resources](https:\/\/trustpointinc.com\/news-insights\/)\n  - [News & Insights](https:\/\/trustpointinc.com\/blog\/)\n  - [Videos](https:\/\/trustpointinc.com\/news-insights\/videos\/)\n  - [Newsletter Sign-up](https:\/\/trustpointinc.com\/news-insights\/newsletter-sign-up\/)\n  - [Market Point](https:\/\/trustpointinc.com\/market-point\/)\n  - [Magazine](https:\/\/trustpointinc.com\/trust-point-magazine\/)\n  - [Retirement Calculator](https:\/\/trustpointinc.com\/retirement-calculator\/)\n  - [Retirement Lifestyle Quiz](https:\/\/trustpointinc.com\/retirement-lifestyle-quiz\/)\n  - [HerPoint](https:\/\/trustpointinc.com\/herpoint\/)\n- [Contact Us](https:\/\/trustpointinc.com\/contact-us\/)\n- [Careers](https:\/\/trustpointinc.com\/careers\/)\n\n[LOGIN](https:\/\/trustpointinc.com\/login\/)\n\n•[January 2, 2025](https:\/\/trustpointinc.com\/2025\/01\/02\/)\n\n•[Financial Planning](https:\/\/trustpointinc.com\/category\/financial-planning\/), [Retirement Planning](https:\/\/trustpointinc.com\/category\/retirement-planning\/)\n# How to Make Additional Contributions to Your 401(k)\n\n![saving-money](https:\/\/spcdn.shortpixel.ai\/spio\/ret_img,q_cdnize,to_webp,s_webp\/trustpointinc.com\/wp-content\/uploads\/2018\/11\/pexels-photo-1246954-540x242.jpg)\n\nSaving money comes easier to some than others. Good money management means having the discipline to consistently put money aside and save vs. spend, in order to stay on track with your financial goals. Whether you are a consistent saver or need some help putting funds away for retirement, there is always room to do more. This is especially true for your 401(k). Before we jump into the different ways to make additional contributions, let’s first discuss the current regulations for 401(k)s.\n\n## Current 401(k) Regulations\nFor 2025, the contribution limit for employees who participate in a 401(k) is \\$23,500. Those aged 50 to 59, or 64 or older are eligible to contribute and additional \\$7,500 in catch-up contributions. Beginning in 2025, those between ages 60 and 63 are eligible to contribute a catch-up contribution up to \\$11,250. These numbers also apply to other saving avenues, like a 403(b), most 457 plans, and the federal government’s Thrift Savings Plan.\n\n![table of 2023 - 2025 401(k) contribution limits](https:\/\/spcdn.shortpixel.ai\/spio\/ret_img,q_cdnize,to_webp,s_webp\/trustpointinc.com\/wp-content\/uploads\/2024\/01\/2025-401k-Contribution-Limits-1024x597.jpg)Please note, if you have multiple 401(k) accounts, you are still limited to contributing the total employee contribution amount of \\$23,500 between all your plans.\n\n## 3 Ways to Make Additional 401(k) Contributions\nIf you believe that you need to start making some additional contributions to your 401(k), here are three options to consider:\n\n### Year-End Bonuses\nYear-end bonuses are actually a great way to add to your 401(k). Supplemental pay, like bonuses, are typically subject to a higher withholding rate compared to your regular pay. Employers will usually either use a bonus tax rate of 25%, or they will combine the bonus with an ordinary paycheck and then withhold tax using traditional tax tables. So, no matter which way your employer operates, you’ll see a higher rate of tax withholding.\n\nTo avoid this scenario, you can request that your employer make a larger 401(k) deduction from your bonus. If you take this approach, the money is placed into your 401(k) where it won’t be taxed until you retire. Keep in mind, this money is still subject to the annual contribution limits for a 401(k).\n\n### Increase Your standard 401(k)\nThose who save up every nickel and dime that comes their way understand how small changes to help increase their savings can be crucial to meeting their goals for retirement. These small savings add up over time and can make a huge difference to your 401(k) down the road. You can increase the amount currently set aside for your 401(k) by as little as one percent, and that small increase will certainly add up. Pump up your contribution rate each year by increasing it by one to two percent. The best time to do so is when you get a wage increase or pay off a loan. That way, you won’t feel the impact on your pocketbook as much. It especially makes sense if you’re in your 50s, due to the contribution limit being higher than when you’re under 50-years-old.\n\nCheck out [Trust Point’s Retirement Calculator](https:\/\/trustpointinc.com\/retirement-calculator\/) to see how even the slightest increase in your standard contribution set aside in each paycheck can benefit you in the long run.\n\n### After-Tax Contributions\nOne of the less popular ways to make an additional contribution to your 401(k) is to do so with an after-tax contribution. This can be beneficial particularly in cases where expected tax rates in the future are projected to increase.\n\nAfter-tax contributions are exactly what they sound like – when you make a contribution with money that’s already been taxed. An important thing to remember about these contributions is that you must claim these contributions on your income tax return for the year in which they were made. So, as the taxpayer, you may be entitled to a refund based on your contributions at the going tax rate.\n\nThere isn’t much incentive to add money to your 401(k) this way that’s why people don’t typically make this type of contribution. The additional money put towards your 401(k) is not tax-deductible, like it would be when it comes directly from your paycheck. However, once these after-tax contributions are made, they accumulate investment income on a tax-deferred basis. Therefore, these contributions will not only allow you to have more money when you retire, but you’ll also have the option to retire earlier, if that is your goal.\n\nThese benefits can make after-tax contributions enticing for some.\n\n## Work with a Financial Professional\nAs an employee, it is important that you take full advantage of the retirement plan options available from your employer. No matter if you’re a young professional just starting work, or someone nearing retirement, the more you know about your finances, the better your chances of reaching your goals. At Trust Point, we provide you with the tools you need to maximize the benefits from your retirement plan.\n\nWe know that [planning for retirement](https:\/\/trustpointinc.com\/services\/investing\/retirement-planning\/) can be stressful, and we want to help lessen this burden by helping you create a concrete plan that will leave you confident and prepared for the future, no matter what it holds for you. [Contact Trust Point today](https:\/\/trustpointinc.com\/contact-us\/) for assistance with your financial planning\\!\n\n### Related Posts\n[![elderly couple saling on boat in sunset; types of trusts](https:\/\/spcdn.shortpixel.ai\/spio\/ret_img,q_cdnize,to_webp,s_webp\/trustpointinc.com\/wp-content\/uploads\/2021\/01\/Secondary-2-1-540x242.jpg)](https:\/\/trustpointinc.com\/investing-and-spending-during-retirement\/)\n\n[April 4, 2026](https:\/\/trustpointinc.com\/2026\/04\/04\/)\n\n### [Investing and Spending During Retirement](https:\/\/trustpointinc.com\/investing-and-spending-during-retirement\/)\n\n[![Julie Mspbj Table Of Experts Wm (1080 X 484 Px) (1)](https:\/\/spcdn.shortpixel.ai\/spio\/ret_img,q_cdnize,to_webp,s_webp\/trustpointinc.com\/wp-content\/uploads\/2026\/03\/Julie-MSPBJ-Table-of-Experts-WM-1080-x-484-px-1-540x242.jpg)](https:\/\/trustpointinc.com\/julie-westbrock-joins-wealth-management-table-of-experts\/)\n\n[March 31, 2026](https:\/\/trustpointinc.com\/2026\/03\/31\/)\n\n### [Julie Westbrock Joins Wealth Management Table of Experts](https:\/\/trustpointinc.com\/julie-westbrock-joins-wealth-management-table-of-experts\/)\n\n[![Weekly Market Update Cover Photo](https:\/\/spcdn.shortpixel.ai\/spio\/ret_img,q_cdnize,to_webp,s_webp\/trustpointinc.com\/wp-content\/uploads\/2025\/02\/Weekly-Market-Update-Cover-Photo-540x242.jpg)](https:\/\/trustpointinc.com\/weekly-market-update\/)\n\n[March 30, 2026](https:\/\/trustpointinc.com\/2026\/03\/30\/)\n\n### [Weekly Market Update](https:\/\/trustpointinc.com\/weekly-market-update\/)\n\n[![](https:\/\/spcdn.shortpixel.ai\/spio\/ret_img,q_cdnize,to_webp,s_webp\/trustpointinc.com\/wp-content\/uploads\/2023\/04\/%F0%9F%A6%86-icon-_envelope-letter_.png) Join Our 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Planning](https:\/\/trustpointinc.com\/category\/financial-planning\/)\n- [Retirement Planning](https:\/\/trustpointinc.com\/category\/retirement-planning\/)\n- [Business Services](https:\/\/trustpointinc.com\/category\/business-services\/)\n- [Trust & Estate Services](https:\/\/trustpointinc.com\/category\/trust-and-estate-services\/)\n- [Charitable Giving](https:\/\/trustpointinc.com\/category\/charitable-giving\/)\n- [Helpful Video](https:\/\/trustpointinc.com\/category\/helpful-video\/)\n- [Next Generation](https:\/\/trustpointinc.com\/category\/next-generation-education\/)\n- [Women and Wealth](https:\/\/trustpointinc.com\/category\/women-and-wealth\/)\n\n![](https:\/\/spcdn.shortpixel.ai\/spio\/ret_img,q_cdnize,to_webp,s_webp\/trustpointinc.com\/wp-content\/uploads\/2023\/04\/TrustPoint_Logo_NoTagline.png)\n\n- [Instagram](https:\/\/www.instagram.com\/trustpointinc\/)\n- [Facebook](https:\/\/www.facebook.com\/Trust-Point-553632088129336\/)\n- [LinkedIn](https:\/\/www.linkedin.com\/company\/trust-point-inc-)\n- [YouTube](https:\/\/www.youtube.com\/channel\/UC_61RkQUKlJJ4GeUoj5J2Wg)\n\nGeneral Inquiry  \n[800-658-9474](tel:800-658-9474)\n\n401(k) Inquiry  \n[800-458-9111](tel:800-458-9111)\n\n[trust\\_point@trustpointinc.com](<mailto:trust_point@trustpointinc.com?subject=Website Inquiry>)\n\n[View All Locations](https:\/\/trustpointinc.com\/who-we-are\/#locations)\n\n- [Retirement Calculator](https:\/\/trustpointinc.com\/retirement-calculator\/)\n- [Magazine](https:\/\/trustpointinc.com\/trust-point-magazine\/)\n- [News & Insights](https:\/\/trustpointinc.com\/news-insights\/)\n- [Careers](https:\/\/trustpointinc.com\/careers\/)\n- [Emerj360 Division](http:\/\/www.emerj360.com\/)\n\n[![Best place to work](https:\/\/spcdn.shortpixel.ai\/spio\/ret_img,q_cdnize,to_webp,s_webp\/trustpointinc.com\/wp-content\/uploads\/2026\/03\/BEST-WORKPLACE-1-2026.png)](https:\/\/trustpointinc.com\/best-places-to-work\/)   [![CFA 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Wisconsin](https:\/\/spcdn.shortpixel.ai\/spio\/ret_img,q_cdnize,to_webp,s_webp\/trustpointinc.com\/wp-content\/uploads\/2023\/03\/State-Bar-of-Wisconsin.png)](https:\/\/www.wisbar.org\/Pages\/default.aspx)   [![2025 Top Wealth Management Services](https:\/\/spcdn.shortpixel.ai\/spio\/ret_img,q_cdnize,to_webp,s_webp\/trustpointinc.com\/wp-content\/uploads\/2025\/09\/Top-WM-Services-2025-Award_No-Background.png)](https:\/\/trustpointinc.com\/women-and-wealth-a-pivot-towards-retirement\/)   [![Family Friendly Workplace logo](https:\/\/spcdn.shortpixel.ai\/spio\/ret_img,q_cdnize,to_webp,s_webp\/trustpointinc.com\/wp-content\/uploads\/2026\/02\/FFW-Logo-Singular_Color_Digital.png)](https:\/\/trustpointinc.com\/trust-point-proud-to-be-certified-a-family-friendly-workplace\/)\n\nCopyright 2026 Trust Point Inc. All Rights Reserved. [Privacy Policy](https:\/\/trustpointinc.com\/wp-content\/uploads\/2023\/03\/Trust-Point-Privacy-Policy.pdf) & [Legal Disclaimer](https:\/\/trustpointinc.com\/wp-content\/uploads\/2023\/03\/Legal-Disclaimer.pdf).  \n Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, Certified Financial Planner™ and CFP® in the U.S., which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.\n\n[I’m Interested in Your Services](https:\/\/go.trustpointinc.com\/l\/840393\/2020-10-29\/cgd5z) [Question about my 401(k)](https:\/\/go.trustpointinc.com\/l\/840393\/2024-01-22\/4xc82h)\n\n\n\n×\n\n\n\n×\n\n\n\n×\n\n\n\n×\n\n\n\n×\n\n\n\n×\n\n\n\n×\n\n\n\n×\n\n\n\n×\n\n\n\n×\n\n\n\n×\n\n\n\n×\n\n\n\n×\n\n\n\n×\n\n\n\n×\n\n\n\n×\n\n\n\n×\n\n\n\n×\n\n\n\n×\n\n×\n\n×\n\n\n\n×","attrs_readable_markdown":"Saving money comes easier to some than others. Good money management means having the discipline to consistently put money aside and save vs. spend, in order to stay on track with your financial goals. Whether you are a consistent saver or need some help putting funds away for retirement, there is always room to do more. This is especially true for your 401(k). Before we jump into the different ways to make additional contributions, let’s first discuss the current regulations for 401(k)s.\n\n## Current 401(k) Regulations\nFor 2025, the contribution limit for employees who participate in a 401(k) is \\$23,500. Those aged 50 to 59, or 64 or older are eligible to contribute and additional \\$7,500 in catch-up contributions. Beginning in 2025, those between ages 60 and 63 are eligible to contribute a catch-up contribution up to \\$11,250. These numbers also apply to other saving avenues, like a 403(b), most 457 plans, and the federal government’s Thrift Savings Plan.\n\n![table of 2023 - 2025 401(k) contribution limits](https:\/\/spcdn.shortpixel.ai\/spio\/ret_img,q_cdnize,to_webp,s_webp\/trustpointinc.com\/wp-content\/uploads\/2024\/01\/2025-401k-Contribution-Limits-1024x597.jpg)Please note, if you have multiple 401(k) accounts, you are still limited to contributing the total employee contribution amount of \\$23,500 between all your plans.\n\n## 3 Ways to Make Additional 401(k) Contributions\nIf you believe that you need to start making some additional contributions to your 401(k), here are three options to consider:\n\n### Year-End Bonuses\nYear-end bonuses are actually a great way to add to your 401(k). Supplemental pay, like bonuses, are typically subject to a higher withholding rate compared to your regular pay. Employers will usually either use a bonus tax rate of 25%, or they will combine the bonus with an ordinary paycheck and then withhold tax using traditional tax tables. So, no matter which way your employer operates, you’ll see a higher rate of tax withholding.\n\nTo avoid this scenario, you can request that your employer make a larger 401(k) deduction from your bonus. If you take this approach, the money is placed into your 401(k) where it won’t be taxed until you retire. Keep in mind, this money is still subject to the annual contribution limits for a 401(k).\n\n### Increase Your standard 401(k)\nThose who save up every nickel and dime that comes their way understand how small changes to help increase their savings can be crucial to meeting their goals for retirement. These small savings add up over time and can make a huge difference to your 401(k) down the road. You can increase the amount currently set aside for your 401(k) by as little as one percent, and that small increase will certainly add up. Pump up your contribution rate each year by increasing it by one to two percent. The best time to do so is when you get a wage increase or pay off a loan. That way, you won’t feel the impact on your pocketbook as much. It especially makes sense if you’re in your 50s, due to the contribution limit being higher than when you’re under 50-years-old.\n\nCheck out [Trust Point’s Retirement Calculator](https:\/\/trustpointinc.com\/retirement-calculator\/) to see how even the slightest increase in your standard contribution set aside in each paycheck can benefit you in the long run.\n\n### After-Tax Contributions\nOne of the less popular ways to make an additional contribution to your 401(k) is to do so with an after-tax contribution. This can be beneficial particularly in cases where expected tax rates in the future are projected to increase.\n\nAfter-tax contributions are exactly what they sound like – when you make a contribution with money that’s already been taxed. An important thing to remember about these contributions is that you must claim these contributions on your income tax return for the year in which they were made. So, as the taxpayer, you may be entitled to a refund based on your contributions at the going tax rate.\n\nThere isn’t much incentive to add money to your 401(k) this way that’s why people don’t typically make this type of contribution. The additional money put towards your 401(k) is not tax-deductible, like it would be when it comes directly from your paycheck. However, once these after-tax contributions are made, they accumulate investment income on a tax-deferred basis. Therefore, these contributions will not only allow you to have more money when you retire, but you’ll also have the option to retire earlier, if that is your goal.\n\nThese benefits can make after-tax contributions enticing for some.\n\n## Work with a Financial Professional\nAs an employee, it is important that you take full advantage of the retirement plan options available from your employer. No matter if you’re a young professional just starting work, or someone nearing retirement, the more you know about your finances, the better your chances of reaching your goals. At Trust Point, we provide you with the tools you need to maximize the benefits from your retirement plan.\n\nWe know that [planning for retirement](https:\/\/trustpointinc.com\/services\/investing\/retirement-planning\/) can be stressful, and we want to help lessen this burden by helping you create a concrete plan that will leave you confident and prepared for the future, no matter what it holds for you. [Contact Trust Point today](https:\/\/trustpointinc.com\/contact-us\/) for assistance with your financial planning\\!","meta_canonical":null}

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URL	https://trustpointinc.com/additional-401k-contribution/
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Meta Title	How to Make Additional Contributions to Your 401(k) - Trust Point
Meta Description	No matter how good you are with saving money, there is always room to do more, especially for your 401(k). Learn how to make additional contributions to your 401(k).
Meta Canonical	null
Boilerpipe Text	Saving money comes easier to some than others. Good money management means having the discipline to consistently put money aside and save vs. spend, in order to stay on track with your financial goals. Whether you are a consistent saver or need some help putting funds away for retirement, there is always room to do more. This is especially true for your 401(k). Before we jump into the different ways to make additional contributions, let’s first discuss the current regulations for 401(k)s. Current 401(k) Regulations For 2025, the contribution limit for employees who participate in a 401(k) is $23,500. Those aged 50 to 59, or 64 or older are eligible to contribute and additional $7,500 in catch-up contributions. Beginning in 2025, those between ages 60 and 63 are eligible to contribute a catch-up contribution up to $11,250. These numbers also apply to other saving avenues, like a 403(b), most 457 plans, and the federal government’s Thrift Savings Plan. Please note, if you have multiple 401(k) accounts, you are still limited to contributing the total employee contribution amount of $23,500 between all your plans. 3 Ways to Make Additional 401(k) Contributions If you believe that you need to start making some additional contributions to your 401(k), here are three options to consider: Year-End Bonuses Year-end bonuses are actually a great way to add to your 401(k). Supplemental pay, like bonuses, are typically subject to a higher withholding rate compared to your regular pay. Employers will usually either use a bonus tax rate of 25%, or they will combine the bonus with an ordinary paycheck and then withhold tax using traditional tax tables. So, no matter which way your employer operates, you’ll see a higher rate of tax withholding. To avoid this scenario, you can request that your employer make a larger 401(k) deduction from your bonus. If you take this approach, the money is placed into your 401(k) where it won’t be taxed until you retire. Keep in mind, this money is still subject to the annual contribution limits for a 401(k). Increase Your standard 401(k) Those who save up every nickel and dime that comes their way understand how small changes to help increase their savings can be crucial to meeting their goals for retirement. These small savings add up over time and can make a huge difference to your 401(k) down the road. You can increase the amount currently set aside for your 401(k) by as little as one percent, and that small increase will certainly add up. Pump up your contribution rate each year by increasing it by one to two percent. The best time to do so is when you get a wage increase or pay off a loan. That way, you won’t feel the impact on your pocketbook as much. It especially makes sense if you’re in your 50s, due to the contribution limit being higher than when you’re under 50-years-old. Check out Trust Point’s Retirement Calculator to see how even the slightest increase in your standard contribution set aside in each paycheck can benefit you in the long run. After-Tax Contributions One of the less popular ways to make an additional contribution to your 401(k) is to do so with an after-tax contribution. This can be beneficial particularly in cases where expected tax rates in the future are projected to increase. After-tax contributions are exactly what they sound like – when you make a contribution with money that’s already been taxed. An important thing to remember about these contributions is that you must claim these contributions on your income tax return for the year in which they were made. So, as the taxpayer, you may be entitled to a refund based on your contributions at the going tax rate. There isn’t much incentive to add money to your 401(k) this way that’s why people don’t typically make this type of contribution. The additional money put towards your 401(k) is not tax-deductible, like it would be when it comes directly from your paycheck. However, once these after-tax contributions are made, they accumulate investment income on a tax-deferred basis. Therefore, these contributions will not only allow you to have more money when you retire, but you’ll also have the option to retire earlier, if that is your goal. These benefits can make after-tax contributions enticing for some. Work with a Financial Professional As an employee, it is important that you take full advantage of the retirement plan options available from your employer. No matter if you’re a young professional just starting work, or someone nearing retirement, the more you know about your finances, the better your chances of reaching your goals. At Trust Point, we provide you with the tools you need to maximize the benefits from your retirement plan. We know that planning for retirement can be stressful, and we want to help lessen this burden by helping you create a concrete plan that will leave you confident and prepared for the future, no matter what it holds for you. Contact Trust Point today for assistance with your financial planning!
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[HerPoint](https://trustpointinc.com/herpoint/) - [Contact Us](https://trustpointinc.com/contact-us/) - [Careers](https://trustpointinc.com/careers/) [LOGIN](https://trustpointinc.com/login/) •[January 2, 2025](https://trustpointinc.com/2025/01/02/) •[Financial Planning](https://trustpointinc.com/category/financial-planning/), [Retirement Planning](https://trustpointinc.com/category/retirement-planning/) # How to Make Additional Contributions to Your 401(k) ![saving-money](https://spcdn.shortpixel.ai/spio/ret_img,q_cdnize,to_webp,s_webp/trustpointinc.com/wp-content/uploads/2018/11/pexels-photo-1246954-540x242.jpg) Saving money comes easier to some than others. Good money management means having the discipline to consistently put money aside and save vs. spend, in order to stay on track with your financial goals. Whether you are a consistent saver or need some help putting funds away for retirement, there is always room to do more. This is especially true for your 401(k). Before we jump into the different ways to make additional contributions, let’s first discuss the current regulations for 401(k)s. ## Current 401(k) Regulations For 2025, the contribution limit for employees who participate in a 401(k) is \$23,500. Those aged 50 to 59, or 64 or older are eligible to contribute and additional \$7,500 in catch-up contributions. Beginning in 2025, those between ages 60 and 63 are eligible to contribute a catch-up contribution up to \$11,250. These numbers also apply to other saving avenues, like a 403(b), most 457 plans, and the federal government’s Thrift Savings Plan. ![table of 2023 - 2025 401(k) contribution limits](https://spcdn.shortpixel.ai/spio/ret_img,q_cdnize,to_webp,s_webp/trustpointinc.com/wp-content/uploads/2024/01/2025-401k-Contribution-Limits-1024x597.jpg)Please note, if you have multiple 401(k) accounts, you are still limited to contributing the total employee contribution amount of \$23,500 between all your plans. ## 3 Ways to Make Additional 401(k) Contributions If you believe that you need to start making some additional contributions to your 401(k), here are three options to consider: ### Year-End Bonuses Year-end bonuses are actually a great way to add to your 401(k). Supplemental pay, like bonuses, are typically subject to a higher withholding rate compared to your regular pay. Employers will usually either use a bonus tax rate of 25%, or they will combine the bonus with an ordinary paycheck and then withhold tax using traditional tax tables. So, no matter which way your employer operates, you’ll see a higher rate of tax withholding. To avoid this scenario, you can request that your employer make a larger 401(k) deduction from your bonus. If you take this approach, the money is placed into your 401(k) where it won’t be taxed until you retire. Keep in mind, this money is still subject to the annual contribution limits for a 401(k). ### Increase Your standard 401(k) Those who save up every nickel and dime that comes their way understand how small changes to help increase their savings can be crucial to meeting their goals for retirement. These small savings add up over time and can make a huge difference to your 401(k) down the road. You can increase the amount currently set aside for your 401(k) by as little as one percent, and that small increase will certainly add up. Pump up your contribution rate each year by increasing it by one to two percent. The best time to do so is when you get a wage increase or pay off a loan. That way, you won’t feel the impact on your pocketbook as much. It especially makes sense if you’re in your 50s, due to the contribution limit being higher than when you’re under 50-years-old. Check out [Trust Point’s Retirement Calculator](https://trustpointinc.com/retirement-calculator/) to see how even the slightest increase in your standard contribution set aside in each paycheck can benefit you in the long run. ### After-Tax Contributions One of the less popular ways to make an additional contribution to your 401(k) is to do so with an after-tax contribution. This can be beneficial particularly in cases where expected tax rates in the future are projected to increase. After-tax contributions are exactly what they sound like – when you make a contribution with money that’s already been taxed. An important thing to remember about these contributions is that you must claim these contributions on your income tax return for the year in which they were made. So, as the taxpayer, you may be entitled to a refund based on your contributions at the going tax rate. There isn’t much incentive to add money to your 401(k) this way that’s why people don’t typically make this type of contribution. The additional money put towards your 401(k) is not tax-deductible, like it would be when it comes directly from your paycheck. However, once these after-tax contributions are made, they accumulate investment income on a tax-deferred basis. Therefore, these contributions will not only allow you to have more money when you retire, but you’ll also have the option to retire earlier, if that is your goal. These benefits can make after-tax contributions enticing for some. ## Work with a Financial Professional As an employee, it is important that you take full advantage of the retirement plan options available from your employer. No matter if you’re a young professional just starting work, or someone nearing retirement, the more you know about your finances, the better your chances of reaching your goals. At Trust Point, we provide you with the tools you need to maximize the benefits from your retirement plan. We know that [planning for retirement](https://trustpointinc.com/services/investing/retirement-planning/) can be stressful, and we want to help lessen this burden by helping you create a concrete plan that will leave you confident and prepared for the future, no matter what it holds for you. [Contact Trust Point today](https://trustpointinc.com/contact-us/) for assistance with your financial planning\! ### Related Posts [![elderly couple saling on boat in sunset; types of trusts](https://spcdn.shortpixel.ai/spio/ret_img,q_cdnize,to_webp,s_webp/trustpointinc.com/wp-content/uploads/2021/01/Secondary-2-1-540x242.jpg)](https://trustpointinc.com/investing-and-spending-during-retirement/) [April 4, 2026](https://trustpointinc.com/2026/04/04/) ### [Investing and Spending During Retirement](https://trustpointinc.com/investing-and-spending-during-retirement/) [![Julie Mspbj Table Of Experts Wm (1080 X 484 Px) (1)](https://spcdn.shortpixel.ai/spio/ret_img,q_cdnize,to_webp,s_webp/trustpointinc.com/wp-content/uploads/2026/03/Julie-MSPBJ-Table-of-Experts-WM-1080-x-484-px-1-540x242.jpg)](https://trustpointinc.com/julie-westbrock-joins-wealth-management-table-of-experts/) [March 31, 2026](https://trustpointinc.com/2026/03/31/) ### [Julie Westbrock Joins Wealth Management Table of Experts](https://trustpointinc.com/julie-westbrock-joins-wealth-management-table-of-experts/) [![Weekly Market Update Cover Photo](https://spcdn.shortpixel.ai/spio/ret_img,q_cdnize,to_webp,s_webp/trustpointinc.com/wp-content/uploads/2025/02/Weekly-Market-Update-Cover-Photo-540x242.jpg)](https://trustpointinc.com/weekly-market-update/) [March 30, 2026](https://trustpointinc.com/2026/03/30/) ### [Weekly Market Update](https://trustpointinc.com/weekly-market-update/) [![](https://spcdn.shortpixel.ai/spio/ret_img,q_cdnize,to_webp,s_webp/trustpointinc.com/wp-content/uploads/2023/04/%F0%9F%A6%86-icon-_envelope-letter_.png) Join Our Newsletter](https://go.trustpointinc.com/l/840393/2021-02-25/qb8qw) [![](https://spcdn.shortpixel.ai/spio/ret_img,q_cdnize,to_webp,s_webp/trustpointinc.com/wp-content/uploads/2023/04/%F0%9F%A6%86-icon-_video_.png) Watch Our Latest Videos](https://www.youtube.com/@trustpointinc) [![](https://spcdn.shortpixel.ai/spio/ret_img,q_cdnize,to_webp,s_webp/trustpointinc.com/wp-content/uploads/2023/04/%F0%9F%A6%86-icon-_newspaper_.png) Sign Up for Market Updates](https://go.trustpointinc.com/l/840393/2021-03-11/r3vzh) ## Categories - 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Readable Markdown	Saving money comes easier to some than others. Good money management means having the discipline to consistently put money aside and save vs. spend, in order to stay on track with your financial goals. Whether you are a consistent saver or need some help putting funds away for retirement, there is always room to do more. This is especially true for your 401(k). Before we jump into the different ways to make additional contributions, let’s first discuss the current regulations for 401(k)s. ## Current 401(k) Regulations For 2025, the contribution limit for employees who participate in a 401(k) is \$23,500. Those aged 50 to 59, or 64 or older are eligible to contribute and additional \$7,500 in catch-up contributions. Beginning in 2025, those between ages 60 and 63 are eligible to contribute a catch-up contribution up to \$11,250. These numbers also apply to other saving avenues, like a 403(b), most 457 plans, and the federal government’s Thrift Savings Plan. ![table of 2023 - 2025 401(k) contribution limits](https://spcdn.shortpixel.ai/spio/ret_img,q_cdnize,to_webp,s_webp/trustpointinc.com/wp-content/uploads/2024/01/2025-401k-Contribution-Limits-1024x597.jpg)Please note, if you have multiple 401(k) accounts, you are still limited to contributing the total employee contribution amount of \$23,500 between all your plans. ## 3 Ways to Make Additional 401(k) Contributions If you believe that you need to start making some additional contributions to your 401(k), here are three options to consider: ### Year-End Bonuses Year-end bonuses are actually a great way to add to your 401(k). Supplemental pay, like bonuses, are typically subject to a higher withholding rate compared to your regular pay. Employers will usually either use a bonus tax rate of 25%, or they will combine the bonus with an ordinary paycheck and then withhold tax using traditional tax tables. So, no matter which way your employer operates, you’ll see a higher rate of tax withholding. To avoid this scenario, you can request that your employer make a larger 401(k) deduction from your bonus. If you take this approach, the money is placed into your 401(k) where it won’t be taxed until you retire. Keep in mind, this money is still subject to the annual contribution limits for a 401(k). ### Increase Your standard 401(k) Those who save up every nickel and dime that comes their way understand how small changes to help increase their savings can be crucial to meeting their goals for retirement. These small savings add up over time and can make a huge difference to your 401(k) down the road. You can increase the amount currently set aside for your 401(k) by as little as one percent, and that small increase will certainly add up. Pump up your contribution rate each year by increasing it by one to two percent. The best time to do so is when you get a wage increase or pay off a loan. That way, you won’t feel the impact on your pocketbook as much. It especially makes sense if you’re in your 50s, due to the contribution limit being higher than when you’re under 50-years-old. Check out [Trust Point’s Retirement Calculator](https://trustpointinc.com/retirement-calculator/) to see how even the slightest increase in your standard contribution set aside in each paycheck can benefit you in the long run. ### After-Tax Contributions One of the less popular ways to make an additional contribution to your 401(k) is to do so with an after-tax contribution. This can be beneficial particularly in cases where expected tax rates in the future are projected to increase. After-tax contributions are exactly what they sound like – when you make a contribution with money that’s already been taxed. An important thing to remember about these contributions is that you must claim these contributions on your income tax return for the year in which they were made. So, as the taxpayer, you may be entitled to a refund based on your contributions at the going tax rate. There isn’t much incentive to add money to your 401(k) this way that’s why people don’t typically make this type of contribution. The additional money put towards your 401(k) is not tax-deductible, like it would be when it comes directly from your paycheck. However, once these after-tax contributions are made, they accumulate investment income on a tax-deferred basis. Therefore, these contributions will not only allow you to have more money when you retire, but you’ll also have the option to retire earlier, if that is your goal. These benefits can make after-tax contributions enticing for some. ## Work with a Financial Professional As an employee, it is important that you take full advantage of the retirement plan options available from your employer. No matter if you’re a young professional just starting work, or someone nearing retirement, the more you know about your finances, the better your chances of reaching your goals. At Trust Point, we provide you with the tools you need to maximize the benefits from your retirement plan. We know that [planning for retirement](https://trustpointinc.com/services/investing/retirement-planning/) can be stressful, and we want to help lessen this burden by helping you create a concrete plan that will leave you confident and prepared for the future, no matter what it holds for you. [Contact Trust Point today](https://trustpointinc.com/contact-us/) for assistance with your financial planning\!
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