Like Tom, you may be in your fifties and well-established in your career. At this point in life, you are starting to think about the details of retirement. How much will you spend on health care? Can you optimize social security benefits? If you chose to have kids, you are starting to think about what is next for you once your kids are in college. Your investments may need adjusting to ensure you are at the proper allocation for your age, goals, and risk. After diligently saving in investment accounts over the years, you have accumulated several 401(k)s and IRAs that need to be consolidated.