I'm 52 and have a retirement plan for each job I've had since I was 26. I now have about three retirement plans. What do I do with all these accounts?

I can't contribute to any of them anymore.

I need help consolidating them and to understand what the best thing to do for me is.

If like this investor, you are faced with multiple old retirement products, the best thing to do depends on several things - but consolidation is often a great idea.

Consolidating them will give you a better view of what you have, makes it easier to manage, reduce costs and simplify your record keeping.

The question is, where to consolidate?

Your main options include:

If you do not have the skill, knowledge and the time to research these choices, you must contact a financial adviser.

If you choose the retirement annuity, you can still make further contributions into this account and supplement your current retirement savings.

Some features of a retirement annuity are:

Retirement security is a top financial concern for all employees, but for many this can remain just a dream as they fail to save appropriately for it.

The key is to make the answer of what retirement looks like for you an important part of your planning, so you can understand how this may impact you financially.

While most of us would probably prefer to spend our pre-retirement years planning ways to make retirement more meaningful, the hard truth is that retirement readiness
really does come down to numbers.

One of the primary goals of an adviser is to hold your hand during your financial journey.

Whatever your vision of the "perfect" retirement happens to be, our first and last question is: Will you be able to support yourself financially when you are no longer working?