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Retirement savings dont follow a one-size-fits-all approach.
Below are ONeals tips for making every stage count.
Max Out Contributions Early
Starting as early as possible means more time for compound growth.
Maxing those accounts out will build momentum, especially with an employer match.
Catch Up at 50
Reaching 50 unlocks higher contribution limits.
This gives people a chance to exit the gap if theyve fallen behind on retirement savings.
That brings the total possible contribution to $34,750.
For high-earners, this is a great last-minute opportunity to add to tax-advantaged accounts.
The higher the contributions, themore tax-deferred ortax-free growth can accumulate.
Take Advantage of Smart Tax Strategies
Tax-efficient investing changes with age.
Self-employed individuals have even more options.
A SEP IRA or Solo 401(k) allows contributions of up to $70,000 in 2025.
These accounts provide the flexibility to contribute more in high-income years and less when cash flow is tight.
Making Age Work for Retirement
Retirement savings isnt a race against time.
Its about using each stage of life to take advantage ofdifferent financial strategies.
Every age has built-in opportunities.
The key is knowing when and how to use them.
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