In my Aug. 13 column, I described an ideal world in which you had five years to plan ahead for retirement. However, there are times when you have to cram planning into a year or less — for example, if you are given an opportunity to retire early or offered a buyout. Even a little time wisely spent can produce a big payoff. So, here’s my “to do” list for you. Attend a pre-retirement seminar. If your agency offers one, sign up for it. If it doesn’t, ask if it will foot the bill for one offered by a private-sector…