It May Be Time for a Financial Checkup It’s never a bad time to speak with your financial professional about changes in your situation. Related Content Should You Tap Retirement Savings to Fund College? There are three things to consider before dipping into retirement savings to pay for college. Long-Term-Care Needs Determine your potential long-term care needs and how long your current assets might last. Catch-Up Contributions Workers 50+ may make contributions to their qualified retirement plans above the limits imposed on younger workers.