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I was told(at my workplace) that 3 years before you plan to retire, you should stop doing pretax health(& child care, if applicable) accounts. This would give me the highest average salary from which to retire.

As has already been mentioned, the plans can have different calculation methods, so you need to base your actions on your plan. I just want to mention that, as you prepare for retirement, you'll hear a lot of things from a lot of people. Make sure you base your decisions on accurate information.

There should be printed material telling you how your benefits are calculated. Use that as your definitive source.

Phil Marti
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