Q. I plan on retiring in January 2012. If the proposal passes to make a five-year average to create my monthly retirement funds, what date would I have to retire to keep the three-year average? Sept. 30, 2011? Dec. 31, 2011? A. You are asking for a prediction, which, the way things stand, would be no better than guess work. You’ll just have to hang on until the legislative picture becomes clearer.