Every fall, we hear from physicians who say: “I know I should join Medicus, but maybe I’ll wait until next year.”
Here’s the truth: when it comes to building a pension, earlier is always better. The sooner you start contributing, the more powerful your pension becomes over time. And right now, there’s an extra reason not to wait.
If you join before October 31, 2025, you can make a catch-up contribution back to January 2025. It will be as if you joined in January of 2025 and you’ll have nearly a full year of pension contributions under your belt right away, instead of starting fresh next year.
Think of it like planting a tree. You could wait until spring, but if you plant today, you’ll already have roots in the ground by the time the seasons change. The same is true for your pension – every year you delay is a year of growth and compounding you can’t get back.
Why joining now matters:
- More contributions = more income for life. A single year of contributions now makes a difference in the pension you receive down the road.
- Predictability. Unlike market-driven investments, your pension gives you stable, reliable retirement income. The earlier you join, the stronger that foundation becomes.
- Tax advantages. Contributions are tax-deductible, and your pension grows tax-deferred until you receive it. Joining in fall gives you the opportunity to maximize both.
The process is simple:
- Book a discovery call with our team – we’ll answer your questions and walk you through how the plan works.
- Join Medicus before October 31 to take advantage of retroactive contributions.
- Start building your pension today, with the peace of mind that you’re not leaving this year behind.
It’s easy to put things off until “later.” But the difference between joining now and waiting is a year of pension accrual. Your future self – and your future pension – will thank you for acting today.
Ready to get started? Book your discovery call and let’s talk.
