After a working lifetime of alarm clocks and meetings, you might be looking forward to a lot more unstructured time once you retire. But taking care of one more to-do list early on can set you up for a better retirement.

The following assumes you’ve already done some basic financial planning. Ideally, before you retire, you’ll create a budget, decide when to claim Social Security, settle on a sustainable withdrawal rate from your retirement funds and figure out how you’ll cover health care expenses.

If any of those topics are still a mystery, consider talking to a fee-only financial adviser. If money’s tight, you may qualify for free or low-cost consultations through the Foundation for Financial Planning, National Association of Personal Financial Advisors or the Association for Financial Counseling & Planning Education, among other organizations.

Even longtime do-it-yourselfers should consider getting expert retirement planning advice, says Catherine Azeles, a certified financial planner and investment consultant in Harrisburg, Pennsylvania. Although your days may be simpler without workplace demands, your finances often become more complex.

“There’s a lot more that goes into the distribution phase of retirement than the accumulation phase,” Azeles says.

After your plan is in place, here’s what to do after you actually retire.

Tweak your spending plan

Inflation and volatile markets can be problematic for anyone, but they are particularly dangerous to retirees. If you’re not earning an income, you can’t ask for a raise to compensate for rising prices. Meanwhile, bad markets early in retirement can dramatically increase the chances of running short of money.

One way to cope is to identify discretionary spending that you can cut. Trimming expenses can help you offset inflation, but it can also help you ride out bad markets, says Katherine Roy, chief retirement strategist for J.P. Morgan Asset Management.

Traditionally, retirees were encouraged to withdraw a certain percentage of their investments the first year – 4% was a popular figure – and increase the withdrawal by the amount of inflation each year. J.P. Morgan research, however, shows people are less likely to run short of money if they forgo that inflationary increase when markets return less than 5% in a year, Roy says.

Get good tax advice

Many people’s tax situations change when they transition into retirement, and they may have unique opportunities to manage their tax bills, Azeles says.

Good savers, for example, could find themselves in a higher tax bracket at age 72, when required minimum withdrawals from retirement accounts typically start. In some cases, it can make sense to do partial Roth conversions in your 60s to spread out and reduce that tax bill, Azeles says.

A tax pro or financial planner can help you determine if conversions are a good idea and, if so, how much to convert each year to avoid triggering a higher tax bracket or Medicare surcharges.

Another way to reduce your tax bill if you have more money than you need is to donate to charities directly from your IRA. So-called qualified charitable distributions can start at age 70½.

Even if you’re not awash in cash, your taxes might be higher than you expect. Most retirement income – including Social Security, pension payouts and retirement fund withdrawals – is potentially taxable. If you don’t have taxes withheld from these payments, you may need to file and pay estimated quarterly taxes to avoid penalties.

Tend to your health

Too often, preventable diseases cut lives short or limit what people can do in retirement. Consider investing some of your newly free hours in maintaining or improving your physical health.

A medical checkup with your doctor can help you identify any conditions that need treatment, get up to date on immunizations and determine what screenings you should schedule.

You also can discuss how to start or increase an exercise plan. The Centers for Disease Control and Prevention recommends 150 minutes of moderate exercise – such as brisk walking – every week, plus at least two weekly sessions of muscle-strengthening activities for all adults. People ages 65 and older should add balance exercises (you can find them online), such as standing on one foot.

Your mental and emotional health are important, as well. The people who struggle the most in retirement are often the ones who don’t have a plan for replacing some of the rewarding aspects of work, including a sense of purpose, structure and social interaction, Roy says.

Social isolation can reduce both life expectancy and happiness, so consider ways to connect with other people through social engagements, volunteer work or other activities, she recommends.

Also, cut yourself some slack. Retirement will have its challenges as well as rewards, and you may need some time to get used to this new phase of life.

“Be kind to yourself, because it’s such a big transition,” Roy says.

Liz Weston is a columnist at NerdWallet, a certified financial planner and author of “Your Credit Score.” Email: [email protected]. Twitter: @lizweston.