You may not think of your family as incredibly wealthy, but America is full of ‘millionaires next door.’ Financial Advisors are not just for movie stars and CEOs. They work with countless ‘millionaires next door’ each year. You’ve worked hard and saved for retirement, and now the question is how you’ll make it last for the rest of your life while maintaining the lifestyle you want.

When you were younger, you probably remember putting pennies and quarters into a piggy bank to save up for a new toy or for something special. But saving for retirement over the course of your life will likely require you to invest what you save, not just put it away, for it to successfully support your retirement goals, and there are numerous retirement accounts out there for you to use or that you may have acquired over your lifetime. The key now is to fit all the puzzle pieces of your retirement together so that they provide you with what you need when you need it. But you can’t do that without first knowing how these retirement accounts work.

This guide for pre-retirees and recently retired individuals will act as a general playbook to inform you about the retirement accounts you may have access to and how to strategically use them.

For many years, you’ve been the captain of your ship. Running your own business hasn’t been easy, and success was never guaranteed. Retirement planning is the next uncharted waters for you, and there’s no one-size-fits-all map.

Ultimately, as a business owner, you must create a unique retirement strategy that often differs greatly from an employee’s. This means setting up a succession plan for your business and a retirement income plan for yourself that fits your unique needs.

Your financial strategy is one of the most important parts of your quality of life in retirement. However, it can also be difficult and complex to keep up with the changing financial landscapes, modern laws, and regulations. In short, creating your financial strategy is never a set-it-and-forget-it task—it requires maintenance. A common rule of thumb is to re-examine your financial and retirement strategy on an annual basis. So, when you undergo this review, remember to look at the five key areas of retirement planning.