When it comes to finances, everyone�s talking about retirement and taxes.  But as we approach the New Year, did you know there are important steps you can take to address both issues at once? 

In a recent survey of small business employees, over 90 percent say company-funded retirement plans are important, yet nearly 40 percent aren�t contributing.  As we approach the New Year, there are easy steps to take to bring your retirement dream closer and save on your tax bill.  Catherine Collinson from the Transamerica Center for Retirement Studies:

 �Everyone with access to a company sponsored retirement plan should take advantage of it, especially if your employer offers a match.  It provides �free� money, reduces your taxable income, and allows you to save for retirement.  If you�re maxing out contributions to your company plan, consider an IRA.  There�s still time to meet the 2003 contribution deadline, and investing now may decrease your tax bill.  If you�re among the 37 percent of small business employees who don�t have access to a plan � ask for one! These plans provide valuable tax and savings benefits for both you and your employer.�

For more about maximizing your retirement savings while cutting your tax bill, visit t-a dash-retirement-dot-com-backslash-the center. 

Don�t delay; act now to start saving money.