Perception vs. Reality There’s an alarming difference between perception and reality for current and future retirees. Share | Have A Question About This Topic? Name Email Address Question Thank you! Oops! Related Contents Ready for Retirement? Are you ready for retirement? Here are five words you should consider. Choices for Your 401(k) at a Former Employer Individuals have three basic choices with the 401(k) account they accrued at a previous employer. Retirement Plan Distributions There are a number of ways to withdraw money from a qualified retirement plan.