A Fruitful Retirement: Social Security Benefit Taking your Social Security benefits at the right time may help maximize your benefit. Related Content Retirement Traps to Avoid Beware of these traps that could upend your retirement. 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. Insurance Needs Assessment: Married With Children When you’re married and have children, insurance needs will be different.