Perception vs. Reality There’s an alarming difference between perception and reality for current and future retirees. Share | Related Content Women and Retirement Women are great at multi-tasking. But many drop the ball when preparing for retirement. 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.