It's never too early to start thinking about your retirement goals. Access resources to help you explore the range of factors.We help create retirement income strategies for people in or nearing retirement so their retirement income lasts as long as they do. If your 403(b) plan is a non-ERISA plan or an Optional Retirement. Plan, investments must be made in Class A or C shares. This Plan is intended to constitute a plan described in section 404(c) of the Employee. 4 Financially Smart Ways to Take Money Out of Retirement Accounts. For assistance with completing your application, please contact your financial advisor or. Franklin Templeton Retirement Services at (800) 527-2020. 1. A financial advisor can help you consolidate your retirement accounts and make future planning or otherwise managing investments easier.