Make sure to read this Wall Street Journal article if you're close to retirement in 2013.  Many people who will retire this year have worked for years...it may be time to leave your job....  how about a part time job or a different career?  Keep a paycheck coming in!  It may be the best retirement move you can make.

1.  Is it really time to retire?

Maybe it feels like it's simply, probably time to retire. But, "do you really have to retire?" asks Christine Fahlund, a senior financial planner at T. Rowe Price Associates in Baltimore. "You might want to think about adding a year or two before you retire."

If it's a viable option, that extra time at a full-time job has a multiplying effect. It allows more time to build up savings and less time drawing down on the nest egg. In addition, any mortgages and other debts can be paid down.