So, youve got adecently-sized nest eggbuilding, yourdebts are paid offand yourestate is more or less in order.

Youre approaching the home stretch to retirement.

This is the fourth article in TwoCentss latest series,What to Know About Money at Every Age.

So lets not waste any more timeyouve got money to maximize.

And the extra investments can be a life line for a lot of people.

If you have not done any retirement planning with a financial planner, what are you waiting for?

asks Monica Dwyer, an Ohio-basedCertified Financial Planner.

will you eat out more often or travel more?)

Check to see the mix of tax categories on your investments: Pre-tax, post-tax and tax-free.

That would include aRoth.

Consider abackdoor Rothconversionif you make too much to contribute to one outright.

Again, speak with a fiduciary for advice on what to do in your specific situation.

Particularly with a potential trade war on the horizon and increasing inflation rates.

As we anticipate interest rates to rise, investors may wish to consider the benefits of shorter term bonds.

Thisarticle from CNBChas info on some other alternatives.

(Mom and Dad, if youre reading this…feel free to disregard this tip.)

Among U.S. adults ages 50 and older, the divorce rate has roughly doubled since the 1990s.

you could see how that might mess up your retirement plan.

Transferring assets, like an IRA, is no simple task.

It needs to be done properly, andmistakes can be expensiveand time-consuming to rectify.

it’s possible for you to read more onTransfer on Death designations here.

That said, its not an option for everyone.

If youre planning to retire soon, downsizing may not be the financially feasible option you think it is.

One thing in particular to watch out for:Closing costs.

confirm you start the process with your eyes open.

Alternatively, you may decide you want to remain in your current home and pay off your mortgage ASAP.

Or you could simply make an extra payment at year-end.

If youre living on a fixed-income, check outGoBankingRates list of best places to live.

Likewise,Moneypublishes anannual listbased on taxes, housing costs, activities, continuing education opportunities and more.

Reminiscing, laughter, tears, more laughter (probably 80s dance music in the background).

Explore rooms, closets and shelves.

Pause to smile or chuckle over a trinket discovered here, a special book found there.

Decide which stuff to keep, toss or donate.

Angela (the firstborn) would create the list.

Your family will thank you.

For example, my high school theater stuff, Gilbert continues.

Is this one of the main themes I want my family to know?

The answer was: Nope.

My theater stuff became a distraction.

And were almost at the end of our series,What to Know About Money at Every Age.

Are you ready for retirement?