Countdown to retirement: a five-year plan

For most of your working life, it wasn’t exactly a pressing concern. You might have pondered it for a few minutes as you skimmed your company’s benefits handout, checking to see if your new glasses were covered or if you’ll be reimbursed for your gym membership. Retirement was more like a vague, distant concept rather than something that would actually happen one day.

Then, suddenly, you hit your late 50s or early 60s and you realize, almost without being aware of it, that you’ve begun paying closer attention to those commercials about annuities, reverse mortgages and Medicare Part B, and you’re no longer reflexively tossing those AARP mailings straight into the trash.