Get advice. It's painful to watch retirement account balances dwindle every month. Many workers approaching retirement age are looking for reassurance about their investment strategy. One-on-one advice consultations via phone jumped by 40 percent from September to October at Charles Schwab, a company with 1.3 million corporate retirement plan participants. A financial planner who is not trying to sell you something can help put market gyrations into perspective and keep your retirement plans on track. "Have regular meetings with your adviser, maybe every 30 or 60 or 90 days," advises Craig Averill, a personal retirement solutions executive for Bank of America. "There's a lot of anxiety and uncertainty to reassess."