Mother’s Day is almost here, so start shopping for the flowers or candy for Mom. But this year, why not also go beyond the traditional? Specifically, if your mother is still working but getting close to retirement, consider providing her with a gift that can help make her days as a retiree more pleasant.

Here are a few suggestions:

• Contribute to her IRA. As long as your mother is employed, she can contribute to an IRA, and she may already have one. If so, help her fund it for 2016. You can’t contribute directly to her IRA, but you can certainly write her a check for that purpose, and by doing so, you can make it easier for Mom to “max out” on her account this year. Assuming your mother is over 50, she can contribute up to $6,500 per year to her IRA. As you may know, an IRA can be a great way to save for retirement because it offers significant tax benefits. Contributions to a traditional IRA are typically tax-deductible, while any earnings can grow tax deferred. Roth IRA contributions are not deductible, but any earnings can grow tax free, provided the account owner meets certain conditions.

• Give Mom some stocks. You know your mother well, so you are probably familiar with the products she likes. By giving her shares of stock of the companies that produce these goods, you will provide Mom with a feeling of ownership that she may enjoy – along with the benefit of possessing investments that could potentially increase in value.

• Discuss retirement income strategy. Even if your mother has made some smart financial moves, such as investing in an IRA and her 401(k) or other employer-sponsored retirement plan, she may still need some advice on how best to initiate and manage her retirement income. To cite just one action she needs to take, she must start making withdrawals from her 401(k) and traditional IRA once she turns 70½. But if she withdraws too much each year from these accounts, she could deplete them sooner in her retirement years than is desirable. To develop a solid retirement income strategy – one that can help her avoid outliving her income – she will need to coordinate withdrawals from her retirement accounts with her Social Security payments and any other sources of income she may have available. Because it’s so important to put together an appropriate income strategy, it’s a very good idea to consult with a financial professional. If your mother does not currently work with one, encourage her to meet with someone you know and trust.

Of course, your mother may be married and have her finances commingled with those of her spouse. Nonetheless, every one of the suggestions mentioned above is applicable and relevant to your mother, whether she is singled, married, divorced or widowed. Women must be prepared to take full charge of their financial situations, no matter their marital status.

Anything you give Mom on Mother’s Day will be appreciated. But if you can add a gift – whether in the form of investments or knowledge – that can help her make progress toward an enjoyable retirement lifestyle, you will be providing her with an enormous “thank you” for all she’s done for you over the years.