This chapter examines advice-seeking by defined contribution plan participants as they approach retirement, focusing upon the categories, correlates, and timing of advice-seeking. The empirical analysis utilizes a large Australian database, identifies the drivers of advice-seeking behavior, and, most importantly, pinpoints age-specific reference points that appear to prompt participants to seek advice about retirement planning from the plan administrator. The authors analyze the patterns of advice-seeking by older participants, focusing upon the topics raised and determinants of advice-seeking discriminating between the effects of age, gender, and account balances on retirement planning. An important aspect of the chapter concerns whether there is evidence of an increasing focus on retirement as participants go from 45–9 years to 65 years or older. Implications are drawn for the design of pension plans as regards their engagement with older participants.