Investments have become the way that people fund their retirement. You’ve spent your working life putting money into your investment accounts like 401Ks and IRAs. But now retirement is getting closer and you need to start thinking about how your investments change when you stop putting money into these accounts and start taking money out.

And when it comes to 401Ks and other employer-based accounts, you’ve never really had control of how that money has been invested. But when you reach age 59 and ½, you are now allowed to take control of those accounts and place them with an investor of your own choosing. Someone who you trust to keep your retirement secure.