|To-do||Questions to ask||Action plan|
|Create your retirement plan||How do I want to spend my retirement?
Who do I want to spend it with?
|Visit Life Events Transitioning into retirement|
|Find out if you are on the right track to retire||How much have I saved and how much will I likely need to retire?||Get your Fidelity Retirement ScoreSM
Go to Fidelity Planning & Guidance Center see if you are on the right track to retire
|Pay off debt||Which debts should I pay off first (credit card, college, HELOC, mortgage) as I approach retirement?||Pay off any non-deductible, high-interest debt, such as credit card balances and personal loans first, especially if you cannot deduct the interest
Read Make this the year you get out of debt
Read 4 questions to ask before you pay off your mortgage
|Increase your retirement saving||Have I maximized my opportunities to save more for retirement?||Consider ways to max out your workplace savings plans, IRAs, Roth IRAs, SIMPLE IRAs, and HSAs
Learn more about Fidelity's retirement savings rules of thumb
|Take advantage of catch-up contributions if age 50 or older||How can I increase my retirement contributions if I'm over 50 or over 55?
Have I reached the IRS contribution limits?
|Consider making catch-up contributions in your 401(k), 403(b), IRA, Roth IRA, or HSA
Read 4 ways to catch up your savings
|Determine if your money is properly allocated||Is my current investment mix in line with my goals?
planningAre my investments located in the right accounts to minimize taxes on withdrawals in retirement?
|Go to Fidelity Planning & Guidance Center to review your account holdings and consider any adjustments
Read The guide to diversification
Learn about tax-efficient investing
|Begin planning your Social Security claiming strategy||Should I wait to claim benefits beyond age 62 in order to receive a larger Social Security benefit?
How much do I expect to receive monthly from Social Security?
|Go to the Fidelity Social Security Center to calculate when to take your benefits
Read Should you take Social Security at 62?
Order your personalized Social Security statement at SSA.gov
|Put a will, trust, or estate plan in place||Do I plan to leave assets to loved ones or charitable organizations?
Who will manage my estate?
|Go to Estate Planning to begin the estate planning process
Update your beneficiaries