If you're nearing retirement or starting the planning process, Social Security is hoping you will remember then when doing so.

Kevin Rice with Social Security encourages those nearing retirement or even young people starting to think about saving for retirement to utilize a few of the tools they have available for them.

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Rice says there is a new tool they offer at their website that is through the Department of the Treasury called myra.com. He explains this is for a worker who may not have a retirement account through their employer but can set up a retirement account that would withhold money from their paycheck.

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The earlier you start planning for retirement the better. Rice encourages young people to start that process and to start by evaluating your current situation. He also notes, it's not too late to start planning for retirement either.

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Social Security also offers a retirement tool called the "Retirement Estimator". According to Rice, it takes some basic information from you and uses that to collect records and will show you how much you can expect to receive from Social Security at the time of your retirement.

To get access to the "Retirement Estimator" and many other tools through Social Security, visit their website, www.socialsecurity.gov.