RE: Retirement How does your ideal retirement differ from reality, and what can we do to better align the two? Share | Have A Question About This Topic? Name Email Address Message Thank you! Oops! Related Contents Tuning Your Social Security Benefit When should you take your Social Security benefit? Choices for Your 401(k) at a Former Employer Individuals have three basic choices with the 401(k) account they accrued at a previous employer. Retirement Plan Distributions There are a number of ways to withdraw money from a qualified retirement plan.