Meet with your Fidelity Workplace Planning Consultant and complete or update your Retirement Plan.

Your Fidelity Workplace Planning Consultant can help with the next phase of your retirement plan. You can get one-on-one help creating a retirement plan, including how your 401(k) savings and guaranteed income will work together in your strategy. 

Call 1-877-902-0006.

Review your Fidelity Retirement Analysis^SM report of your retirement plan.

This report contains a summary based on the information you provided and highlights what, if any, changes you explored. Review the entire report carefully, paying special attention to the next steps and your action items. Receive a detailed Fidelity Retirement Analysis^SM report of your retirement plan.

We recommend that you come back and revisit your analysis periodically. If something in your life changes or the markets move significantly in either direction, you might want to consider an additional review. Click the "Review" button and then select the "Retirement Analysis" link.

Match your investments to your changing needs.

As you get closer to retirement, you may need to adjust your investment strategy to balance your income needs with investing for growth. As you approach retirement age you should gradually shift from stocks into bonds to protect the money you’ve accumulated.

The older you are and the closer you get to retirement, the more you should lean on lower-risk investments like bonds. Although your savings may not grow as quickly, it may reduce your risk in the event of a market downturn. That doesn't mean you shouldn't invest in stocks at all, though, even as you get older. Take some time to review your investment strategy to help ensure it still in line with your risk tolerance and retirement goals. Click here to learn more or call 1-877-902-0006 to speak with a Fidelity Representative.

Update your beneficiaries.

Naming beneficiaries can help preserve what you've accumulated and distribute it to the people and causes that are most important to you after you're gone.

Designating a beneficiary for investment accounts can be as important as writing a will. You should review your beneficiary designations immediately after major life events like getting married or divorced, the death of a spouse, and the adoption or birth of a child.

Assets in your retirement accounts pass directly to the beneficiaries you've designated and in many instances, having beneficiaries designated on an account allows the account to pass outside probate, enabling your beneficiaries to avoid the time and expense of the probate process.

Also, Retirement account beneficiary designations generally trump will and trust directives, so they need to be periodically checked and updated.

Please check all beneficiaries to ensure nothing has changed and all are still current.  This includes retirement plans/accounts, HSA account, life insurance (both with employer and personal policies), and AD&D insurance.

Set up a Social Security account.

Visit the Social Security website and establish your my Social Security account. This will give you access to receive personalized estimates of future benefits based on your real earnings, see your latest Statement, and review your earnings history.

My Social Security is an online service provided by the Social Security Administration (SSA) that allows you to review your earnings history, check current or future benefits, and access many other Social Security services. View the video “Why Creating an Account is Important” to learn how setting up an account can help you plan for your retirement.

Health Care in Retirement Calculator

Medicare may not cover all your health care cost in retirement. Estimate how much health care may cost in retirement.