The #1 thing to do for your retirement accounts by year end is to streamline them. Consider rolling over old 401(k) accounts from your previous employers into one manageable account.
Here are some options to streamline your accounts:
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Rollover the money into your current employer's 401(k) plan (tax-free now, taxed on withdrawal).
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Move the money into an IRA (tax-free now, taxed on withdrawal)
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Move the money into a Roth IRA (taxed now, tax-free on withdrawal).
Read more here: http://www.businessinsider.com/how-to-combine-401k-accounts-2016-12
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