You’ve been thinking about retirement for a long time, and lately, it’s becoming more appealing every day. Retirement also brings some changes related to finances, health, family, and other issues. The purpose of this guide is to introduce topics and changes that you may face as you enter retirement and to suggest specific steps you can take to ensure that this new period of your life is secure and enjoyable.

As you advance in your career and hold jobs at various companies, you may discover at some point that you’ve left behind valuable cookie crumbs: a trail of employer-sponsored retirement accounts. One major benefit of consolidating your retirement accounts into one account is that there’s less information to track.