Are you paying into Social Security? If so, that's an additional stream of income at or after 62. Do you have a 457 plan? That's worth looking into if the investment choices are acceptable. The assets are in trust and are not subject to creditor claims if the state or the teachers' pension fund goes bankrupt. You can take the money out without a penalty if you retire early. Have you funded your IRA? If not, you can still fund a 2013 IRA until April 15th.
If you have exhausted these choices, then you can open a taxable investment account. Fidelity, Vanguard and Schwab are all good choices.