For so many of us, our 401(k) or IRA accounts are reservoirs of wealth we contribute to for years and years, all for that day for when we retire, or leave a job where we’ve been part of a group retirement plan. That day comes, and we have a sum of money staring at us from a statement or a computer screen and we think, “now what?” Is this all there is? How do I make this last for this unknown amount of time I have left? Where should I put it? Are there taxes to pay? Should I get some advice?  Kelly Famiglietta, who heads the Charles Stephen group retirement business, talks about the options.