Most of us do not think too much about retirement though we change our jobs and careers many times. But when we reach our midlife it is the time for us to get organized. The first step is to locate what you have and search for all assets scattered as they might add to the retirement funds. Also, locate your lost records especially if you have moved a lot. For any policy purchased earlier find out how much cash value is in the policy, if any, and the amount of its death benefit; whether it is still in force or how much it will cost to reinstate it if it has lapsed. Find your misplaced saving bonds, bank accounts and safe deposit boxes. It's worth checking with Social Security to make sure earnings from all your jobs are factored into your benefits. Then determine your objectives, organize your assets and future plan is ready. To know more, follow Mark P. Cussen (financial author)'s article link: http://www.investopedia.com/university/consolidating-your-retirement-money/