<ol> <li>Take intermittent steps into retirement. Go part-time, then retire.</li> <li>Work with a financial planner that will look holistically at your income and assets.</li> <li>If you don’t have a pension, be sure you have a strategy for taking Social Security. That may include taking it early or waiting until after FRA.</li> <li>Have your adviser run different scenarios so you can see the difference with taxes, income and how your assets are used.</li> </ol>