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You may want to adjust your retirement planning when you:

• Marry or have children
• Become disabled
• Divorce
• Spouse dies
• Experience a Severe Financial Hardship:
  • Tax on early distributions - before you reach age 59?
  • Hardship distributions - if your plan allows, the rules to follow
  • Loans - if your plan allows, the rules to follow
• Are reemployed after military service or maternity/paternity absence
• Are laid off, quit or terminate your employment
  • Rollovers of retirement plan or IRA money
• Reach a significant age

Or, when your employer:

• Terminates the plan
• Switches to another type of plan
• Declares bankruptcy
• Merges with another company