IN YOUR 30S - BUILD A FOUNDATION

Your 30s are years to enjoy—years to build your life and family and to begin building a solid financial foundation for the future that's quickly taking shape. Lifetime Retirement Planning with Wachovia can help you enjoy the unique possibilities your life offers today, and is intended to help make your life in retirement all you want it to be when you get there.

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Your 30s are a time when personal responsibilities may begin to grow—a home and mortgage, young children—which can create a new set of financial demands. There's a lot you can do to help keep everything on track.

• Build your assets - try saving 10% of your income overall.
• Article: Put Savings and Yourself First with a Budget
• Article: How to Dig Yourself out of Debt and Save at the Same Time
• Tool: Spending Plan Worksheet
• Establish an emergency fund - a cushion equal to at least three months of income.
• Article: Savings for a Sunny Day
• Wachovia Savings Accounts
• Increase your contributions - to your employers' retirement plan, whenever you get a raise.
• Tool: 401(k) Contribution Calculator
• Open an IRA - and make the maximum allowed contributions every year.
• Individual Retirement Accounts (IRAs)
• Open an IRA
• Rollover your retirement plans - if you change jobs, be sure to consider rolling your employer's retirement plan to an IRA.
• Tool: 401(k) Cash Distribution Calculator
• Rollover IRA
• Plan for your children's education - establish a tax-advantaged Coverdell Education Savings Account or 529 plan to help pay future college expenses.
• College Planning Guide
• Educational and Custodial Accounts 

Please consider the investment objectives, risk, charges and expenses carefully before investing in a 529 savings plan.  The official statement, which contains this and other information, can be obtained by calling your financial advisor.  Read it carefully before you invest.

Develop a Plan

One of the keys to investing for retirement is developing a plan that makes sense for you. Wachovia's Free Retirement Consultation can help you see if you're on track or if there is a potential gap in meeting your retirement needs. When you've completed your Retirement Consultation, you'll receive a personalized report that includes suggestions to help with both your daily money management and planning for the future.

Talk to Wachovia

At Wachovia, we offer access to cash management, saving, investing, borrowing, and insurance strategies you need to help build a realistic, well-integrated plan that is designed to evolve as your finances do. Ask us how Lifetime Retirement Planning with Wachovia can help guide you along your chosen path, wherever you are in your life.

For a Free Retirement Consultation, contact a Wachovia Financial Center to schedule an appointment with one of our Financial Specialists^* or call the Retirement Resource Center at (866) 588-9606, Monday through Friday, 8:00am to 8:00pm ET.

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Wachovia and Wachovia Securities are not legal or tax advisors. Be sure to consult with your own tax or legal advisors before taking any action that may have tax consequences.

Wachovia Securities is the trade name used by two separate, registered broker-dealers and non-bank affiliates of Wachovia Corporation providing certain retail securities brokerage services: Wachovia Securities, LLC, Member NYSE/SIPC, and Wachovia Securities Financial Network, LLC, Member FINRA /SIPC.

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