Retirement checklist: 6–10+ years from retirement

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
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

Speak with Fidelity

Call us at 800-343-3548 to chat with an investment professional, or visit an Investor Center.