5 Things You Need to Decide Before You Can Retire

You’ve got to think these things through and make sure all your bases are covered before you can finally call it quits and retire.

(Image credit: Getty Images)

In the world we are living in right now, some people have been forced into early retirement, as many businesses have suffered as a result of the COVID-19 pandemic. For others, this early departure was part of their normal plan.

To help those about to retire, here are five things they need to have in place before doing so.


Securities and Advisory Services offered through Cadaret, Grant & Co., Inc., a Registered Investment Adviser and Member FINRA/SIPC. HMS Financial Group and Cadaret, Grant & Co., Inc. are separate entities.


This article was written by and presents the views of our contributing adviser, not the Kiplinger editorial staff. You can check adviser records with the SEC or with FINRA.

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Barbara Shapiro, CFP®, CDFA®, CeFT
President, HMS Financial Group

Barbara Shapiro is the President of HMS Financial Group located in Dedham, Mass. She is a CFP®, Certified Divorce Financial Analyst and a Financial Transitionist®. She is also co-author of "He Said: She Said: A Practical Guide to Finance and Money During Divorce." Her firm specializes in comprehensive financial planning with a subspecialty in divorce that assists clients' transition from marriage to independence with peace of mind and confidence. Learn more at HMS-Financial.com.