 No ship leaves port without charting a course. Navigating your financial future requires similar, careful planning. To reach your retirement destination safely, you have to plot the depths, study the financial currents, and beware of the hazards. And now, as a service member, you may have a new choice on your financial horizon. Starting January 1st, you will have one year to decide if you want to stay on course with your high three retirement plan, or chart a whole new destination by opting into the new blended retirement system. You'll have just one chance to make the choice that's right for you. You have all of 2018 to chart your course, but once you've made your choice, the decision is irrevocable.