Good afternoon,

I am a 57-year old woman with approximately $300,000 in accounts at TIAA-CREF that are rollovers of 401(k) monies from previous employers.  I have just joined a new organization so only have a few thousand dollars in this new 401(k).  In addition to the monies in TIAA-CREF, I will have a pension of approximately $1,000 per month from a previous employer offset by social security.  Due to debts incurred because of a divorce some years ago, I did not purchase a house and still rent.  I have approximately $15,000 in a savings account.  I have approximately $1,500 of credit card debt. Can you advise me on how best to prepare for retirement based on the above?  Thank you for your assistance.