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Considering what's at stake, it's surprising how little we know about the key decisions we'll face concerning the retirement money we've accumulated. Taking charge of retirement savings today presents a whole new and complex set of decisions: Do you accept your employer's offer of a lifetime pension? Should you leave 401(k) money where it is or roll it into an IRA? What about a Roth IRA? How can you provide for your spouse and transfer wealth to your heirs? Personal finance writer and financial education expert Margaret Malaspina takes you through all the options and decisions that you'll face when you are ready to retire, and offers sound guidance customized to your own situation. This is the guide that can help you get the most out of what you've earned, lower your tax bills, and create a stream of income that will last for the rest of your life.

Margaret A. Malaspina is principal of Malaspina Communications, a firm that specializes in investment and financial communications and advises some of the nation's largest investment companies. A former vice president of Fidelity, she helped launch the writing career of Peter Lynch and was part of the executive team that started Worth magazine.

Susan O'Malley (a.k.a. Bernadette Dunne) is the winner of numerous AudioFile Earphones Awards and has twice been nominated for the prestigious Audie Award. She studied at the Royal National Theatre in London and the Studio Theater in Washington, DC, and has appeared at the Kennedy Center and off Broadway. She lives in Brooklyn, New York.