Here, we are still accumulating retirement assets, however, it is necessary to set some time aside to review our current plans. We are now in our fifties and sixties. Such issues as plan diversification, plan allocation, and income capability should now be addressed. Common wisdom dictates that we are no longer willing to take the same risks with our assets as we may have been in our earlier years. Now is the time to reassess how much has been stocked away. Is it necessary to increase contributions to plans?