The year is coming to an end and a new year means new opportunities and new goals for 2019. For some of you, one of your goals might be entering retirement. It's an exciting transition, but one that requires careful planning to ensure you're prepared and will have a successful retirement.

If you're aiming to retire in 2019, here's what you need to know before you take that big step.

1. Your Retirement Income Plan Needs a Test Drive

If you're getting close to retirement, you've likely thought through your monthly retirement income plan. To be confident that you can have the retirement lifestyle you want, test out your retirement income early.

For at least one month before you retire, stick to that retirement budget and see how it goes. If it's not enough, talk to your financial adviser about possible adjustments you can make. If it's more than enough, consider withdrawing only what you need from your investment accounts to keep your overall income in a lower tax bracket. By minimizing your adjusted gross income, you could lower your Medicare premiums down the road, as well as your tax bill.

2. You Need to Plan for the Years Ahead

Your retirement income is different from your working income in a number of ways, but one of the biggest is that you get to decide how much you get paid each year and where that money comes from.

Take an inventory of all of your accounts and decide if your money is organized in a way that will help you make the most of your retirement. For example, with tax rates being the lowest we've seen in decades it might make sense to complete a Roth conversion on some of your traditional IRA income so that you'll pay tax at a lower rate and help you avoid large required minimum distributions when you hit 70.5. This means you can keep more of your money for a long, happy retirement.

3. It Can Help to Create a Schedule

Retirement will be one of the biggest lifestyle transitions you'll ever go through. Every day for the past 40 or so years, you've been an employee, employer or self-employed worker. Sometime in the next 12 months, those titles will disappear and you'll have a nearly open schedule. As exciting as that may seem, all of that free time can also lead to isolation.

Plan out your days, especially for the first few months of your retirement. Whether that time will be spent watching the grandkids, taking art classes, going on bike rides or traveling, try to have a few activities set up to do each week.

4. It's Smart to Review Your Long-Term Plan With an Adviser

People are living longer than ever before, which means your retirement income needs to last longer, too. How will your money help you thrive every step of the way? If you don't know the answer to that question, talk with your adviser. He or she can help you understand how the money you've been saving will translate into retirement income and help you feel confident in this next, exciting stage of your life.