Because retirees deserve to take it easy. When you turn five tax-deferred-saving accounts into one, it can make things so much easier. Here are my top 10 reasons you should consider consolidating accounts:

1. Investments all in one place.
2. Just one statement.
3. Only make investment and account changes once.
4. Come age 70 1/2, just figure one minimum distribution, not one on every account, every year.
5. Just one secret code to access your account.
6. One toll-free customer-service number.
7. One Web-site logon.
8. Less “stuff” in your mailbox.
9. Fewer statements and reports to keep on file.
10. Free up time for more important stuff.