Retirement Planning Decisions. Briefly discuss the key retirement planning decisions an individual must make. Which of the following is not a key retirement planning decision an individual must make? (Select the best answer below.) OA. How to invest your contributions. B. which retirement plan to pursue. O C. Whether you should refinance your mortgage O D. The number of years to retirement. Which of the following is a correct consideration when planning for retirement? (Select the best answer below) O A. Calculating your retirement contributions based on the advice of your employer. O B. Adjusting your investment choices toward less conservative as you get closer to retirement. C. Determining the tax consequences of your investment. D. Selecting a private, non-employer sponsored retirement plan