Review Your Retirement Plan

Asset allocation in retirement plans:  Year-end is a good time to review your investment asset allocation in your reitrement plan vis-a-vis your risk tolerance.  Are you being too conservative or too aggressive?  Be sure you are comfortable with your current exposure level.

Automated options:  Consider whether your employer is doing automatic rebalancing of your retirement plan, and also whether it is possible to set up automatic increases for your contributions.  The more that can be automated to your satisfaction, the fewer decisions you have to make each year.