If you're within 10 or 15 years of retirement, this is when the game changes. The moves you make now can have a profound impact on the retirement you'll enjoy later. That's why it’s so important to keep yourself on track, crank up your contributions, and keep a level head.

Make sure your goals are still your goals

It's the perfect time to take a good long look at where you are and where you want to go. Talk to your spouse, your children, and your financial advisor to make sure the retirement goals you originally established still reflect what you want your life to look like after you stop working. You may be surprised how much things have changed. Then, talk to a financial representative to help ensure your portfolio will still meet your needs.

Refocus your efforts

As you approach retirement, the last thing you should do is coast to the end. Instead, focus on taking actions that can bring you closer to the finish line with more to look forward to in retirement. That means seriously considering whether to max out your 401(k) contributions and make catch-up contributions as soon as you turn 50. You should also review your portfolio with a financial representative and make any changes appropriate to your current situation.

Broaden your horizons

Your workplace savings plan is a wonderful benefit. But as you near retirement, it’s time to start looking beyond your 401(k) to give yourself every advantage you can.

Speak to your advisor today to learn about the number of vehicles designed to help you prepare for retirement.