Like retirement, going to the gym can be intimidating. Ron wants to get his retirement savings and himself in tip-top shape. Here are five steps to help you retire in fine form. Good circulation is to your health like positive cash flow is to your finances. Get moving. Get your heart pumping and get your cash flowing. Make sure you have more money coming in than going out. That's important for Ron because when he retires, his cash coming in will likely slow down. Feeling a little flabby, Ron? Why not choose chickpeas over chips? Eat those healthy foods and cut down on the junk. When it comes to your finances, junk means extra spending and high interest debt. So start paying all those loans and credit. But everything in moderation-- even debt and candy. Strong muscles keep your metabolism motor running. But Ron's motor looks like it's running out of gas. So build your muscles and bulk up your savings. Set up regular automatic deposits to your investments so you're not tempted to spend it. Then, work with a professional you trust to help you invest wisely. Ron doesn't know how to use the equipment, and he may not get the results he wants. And if you don't understand how to use the right tax strategies, that might eat into your savings. Investments come with different tax treatments. A trainer can show you how to work your legs. And an advisor can help you plan to minimize your taxes. Our bodies change, and markets change too. An assessment with a trainer will tell Ron that he's doing a good job. And an annual conversation with your advisor will help you see where you are and help you adjust if needed. Ron's ready for retirement. Are you? And a reminder. Please talk to your advisor, lawyer, or accountant to figure out what works best for you.