The phrase golden years conjures up a glowing image of a relaxing retirement spent enjoying hobbies, travel and time with loved ones. But stress doesn t end with the last punch of the clock. Even faithful savers may face many difficult financial or health-related decisions, including how to make their money last and how best to care for an aging relative or an ill spouse.

This week, our roundup of news for those at or near retirement age offers advice for those trying to make some of these tough choices. Here are some recent stories that provide guidance in stressful situations:

Meager Savings Set Up Not-So Golden Years
A new survey reports that many Americans are facing retirement with less than $25,000 saved. NPR s Talk of the Nation takes a look at this troubling trend. Personal finance experts point out that even for those already near retirement age, it s not too late to start saving and investing wisely. This story shares strategies that can work for those who find themselves facing retirement with little in the bank.

Should Retirees Take the Pension, or 'The Lump'?
Even workers who have access to a defined-benefit pension plan face a tough decision: take all the money upfront, or trust your employer to keep paying out, month after month? Walletpop shows how certain protections guarantee you get the monthly benefit you ve been promised and explains how managing that money yourself exposes you to more risk.

Bad Advice Abounds on Roth IRA Conversions
The Chicago Tribune attempts to correct some of the misinformation readers may have heard about how to decide whether a Roth IRA conversion is the right move for you. Even financial advisers at times give advice that can cost investors. Here s what you need to know about the rules that apply to savers at various ages.

Mediators Focus on Elder Issues
Some choices are so difficult, a family may need outside help to come to a decision. More mediators now are focusing on issues affecting the elderly, including responsibility for caregiving or disputes over inheritances. Here s how to find a good mediator and what to expect from the process.

Stressful But Vital: Choosing a Nursing Home
Too often, families end up having to choose a nursing home in a rush to deal with a broken hip or other health problem. If your parent or spouse needs full-time care, you should take the time to thoroughly explore your options and make sure you re comfortable with the facility you choose. Here are some questions to ask if you re searching for a nursing home.