The end of the year provides a perfect opportunity for everyone—whether nearing retirement or still early in their careers—to review and assess if their retirement plans are progressing as intended. Depending on where you are in your career, certain aspects of retirement planning may vary.

While priorities shift significantly for those just a year away from retirement compared to those just starting out, there are three actions that almost all employees can take now to get ready for the future.

1. Review Your Estimated Social Security Benefits

If you have been employed and contributing to Social Security for at least 10 years, you probably qualify for retirement benefits. Once eligible, you can easily view your estimated benefits online—even if you are still years away from retirement.

Remember that if you plan to continue working for several more years before claiming Social Security, your benefits may fluctuate. However, knowing an approximate amount you can expect in benefits will help you save more effectively.

2. Maximize Your Contributions to 401(k) or IRA

While not everyone may be in a position to fully fund their retirement accounts, and sometimes it might not be advisable—especially if you’re dealing with high-interest debt or lack a solid emergency savings—it can be beneficial to contribute more if you have the means to do so.

3. Reassess Your Retirement Goals

Retirement planning is a long-term endeavor, and small, consistent actions each year can lead to significant outcomes. Regularly reviewing your progress can help set a strong foundation for achieving long-term financial security.

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