RE: Retirement How does your ideal retirement differ from reality, and what can we do to better align the two? Share | Related Content Ready for Retirement? Are you ready for retirement? Here are five words you should consider. Choices for Your 401(k) at a Former Employer Individuals have three basic choices with the 401(k) account they accrued at a previous employer. Retirement Plan Distributions There are a number of ways to withdraw money from a qualified retirement plan.