Retirement Traps to Avoid Full Size Version Share | Related Content Should You Ever Retire? A growing number of Americans are pushing back the age at which they plan to retire. Or deciding not to retire at all. What Is a Stretch IRA? If you have a traditional IRA, you may have the opportunity to extend its tax-deferred status across multiple generations. Retirement Plan Distributions There are a number of ways to withdraw money from a qualified retirement plan.