Retirement Checklist: Less than 2 years from retirement

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To-do	Questions to ask	Action plan
Finalize your plan for covering expenses in retirement	Am I on track to meet my goals? Do I know my expected monthly expenses and how I'll cover them—possibly for the next 30+ years? How much can I withdraw from savings each year and still have my money last?	Develop a budget Read: How long will your retirement savings last? Meet with a Fidelity representative to help develop your plan
Revisit your investment allocation	Am I properly invested and diversified as I head into retirement?	Read The guide to diversification
Decide when you will claim Social Security	At what age am I planning to claim Social Security? How can I maximize my Social Security benefits?	Find resources in the Fidelity Social Security Center Go to www.ssa.gov Read How to get the most from Social Security
Create your withdrawal strategy	Do I know which accounts/investments to withdraw from first to minimize income taxes? How much can I afford to withdraw each month/year?	Read Tax-savvy withdrawals in retirement Read Special report: Taxes
Learn how Medicare works and what it covers	Which Medicare option is right for me and my spouse/partner?	Read 6 key Medicare questions Sign up for Medicare 3 months before to 3 months after reaching age 65
Take advantage of any employer retiree health care benefits	Does my employer offer any retiree health benefits?	Call your workplace benefits office to understand your options Compare pricing and coverage with health care marketplace offerings
Officially start the retirement process with your employer	Do I know who to contact at work when I am ready to retire? What's involved and how long will the process take?	Call your HR/Benefits office to understand all retiree benefits available to you (pension, retiree medical, other)
Decide what to do with your 401(k) or 403(b)	Do I know the 4 options to consider with my old workplace retirement plan?	Read how to roll over a 401(k) to an IRA Read Considerations for an old 401(k)
Know your pension options	Would I prefer to receive a monthly pension check vs. taking a lump sum upon retirement?	Read Lump-sum payment or monthly pension?
Know your required minimum distribution rules	Am I prepared to start taking my RMDs at age 70½?	Learn how to take RMDs from your IRA Read Smart strategies for RMDs

Retirement checklist: Less than 2 years from retirement

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Retirement checklist: Less than 2 years from retirement

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