Retirement is a time of many changes and new products, services, opportunities and challenges. Many people will offer help. Always be aware that “help” and advice, especially from private websites are often motivated by opportunities to market services for a fee. These private websites are listed not as recommendations but because at the time of listing the sites contained useful articles and/or links. Before engaging any financial or retirement adviser, you should thoroughly check the adviser’s references, qualifications, and background. Please click Download Resource to access the helpful sites.