By Michael Chamberlain Learn more about Michael at NerdWallet’s Ask an Advisor The closer you get to retirement, the more critical it is that you do all you can to secure your financial future. Related stories IRA Accounts: Find the Best Provider Roth IRA: Find the Best Provider If you’re only five years from retirement and haven’t made significant progress toward your planning and saving goals, it might be too late to fund the retirement of your dreams.