10 SMART MOVES FOR RETIREMENT

1. Consider maxing out and catching-up in your 401(k) and IRA.
Start saving early and consistently take advantage of savings opportunities.

2. Save now for more later.
One of the best ways to find the extra cash is to pay off debt and reduce expenses.

3. Make your asset mix match you.
Avoid the two biggest mistakes: being overly cautious and taking excessive risks.

4. Stretch your salary.
Some work during retirement adds income and can provide benefits.

5. Create your own income stream. (a little Rich Dad, Poor Dad there)
A guaranteed income annuity, for example, guarantees lifetime retirement income.

6. Don't withdraw too much too soon.
You can plan realistically with Fidelity's Retirement Income Planner.

7. Create a realistic budget. (that sounds very un-American to me)
Paid-up expenses, such as mortgages and other debts, free up more money in later years.

8. Expect & plan for the unexpected.
For example, don't underestimate your future medical costs.

9. Stay on track.
Fidelity's Income Management Account monitors how actual activity compares to a retirement income plan.

10. Mix & match the smartest moves for you.
Take action to extend income, control spending, and maximize savings.