If it were only as easy as packing up your belongings and saying goodbye to a company you love.

Retirement, of course, is the result of years of planning and financial discipline. The recent economic downturn has also complicated the process. Yet, there’s still a lot of opportunity to adjust course and ride the waves toward your intended destination.

Retiring at the timing of your choosing is possible. Here are some pieces of advice that will advance the ultimate goals that lead to enjoyable and fruitful retirement living.

Check in regularly

It only takes a few minutes, but so many people won’t do it. Simple quarterly and annual check-ins on your retirement planning will put you in control.

Regular check-ins are opportunities to review your plan and see how it’s performing. It’s easier to make corrections if an area of concern is a known variable.

As you familiarize yourself more with all the financial moving parts, you can get a real sense for direction and learn how to make necessary adjustments that cut out waste and boost savings.

Maximize retirement accounts

It’s easy to say and harder to do, but one of the best things is upping your retirement contribution in a strategic manner.

Maxing out 401(k)s and IRAs will require a little belt tightening, but the end result will mean fulfilling a retirement dream you always envisioned for yourself, the one you truly deserve.

Cut out certain purchases

Plan more spending on experiences rather than things. Things do not bring about as much happiness as an experience will.

If you can turn your focus on tangible goods and max out your happiness through experiences instead, you can manage to cut down on overall expenses and focus on more important things.

Live debt free with excellent credit

Life will be a lot different without employment income, but that’s no reason to stop aiming for an immaculate credit score with little to no debt attached.

The best of two worlds is to be debt free and own an incredible credit score. The good habits that got you there will continue to provide value during retirement life. Plus, a perfect credit score is flexibility for future financial endeavors.

Eliminate mortgage

Staying out of debt, even good debt, is a key to happy and well timed out retirement.

If you are able to retire your mortgage, it’ll create a clearer path toward earlier retirement because you can build up savings more quickly and not have to worry about a monthly payment of that size.

Switch to home equity conversion mortgage

If you need to expand your assets, a home equity conversion mortgage can do just that.

It’s for retirees over the age of 62. It works by leveraging home equity to increase financial resources. The program also eliminates monthly mortgage payments, allowing retirees to boost their retirement income when it’s needed the most.

Retirees retain the option to sell the home or pass remaining equity onto heirs.

*(1) at the conclusion of a reverse mortgage, the borrower must repay the loan and may have to sell the home or repay the loan from other proceeds; (2) charges will be assessed with the loan, including an origination fee, closing costs, mortgage insurance premiums and servicing fees; (3) the loan balance grows over time and interest is charged on the outstanding balance; (4) the borrower remains responsible for property taxes, hazard insurance and home maintenance, and failure to pay these amounts may result in the loss of the home; and (5) interest on a reverse mortgage is not tax deductible until the borrower makes partial or full repayment. This material is not from HUD or FHA and has not been approved by HUD or any government agency.