Educate you on retirement issues.
There are few transitions in life more complex and emotionally charged than retirement. Many people are faced with numerous decisions at retirement. One example involves choosing between a lump sum distribution or an income stream for life. Another is whether to pick a survivor benefit option or choosing from a plethora of options the one that is best for you. There are no rules of thumb for these decisions, as each one must be viewed independently based on your particular set of facts.