Americans have entered a new phase of the pandemic where a large part of the U.S. population is vaccinated and most is not. That leads to a big question: What can you do after you’re fully vaccinated? The Centers for Disease Control and Prevention recently issued new guidelines, and other experts have weighed in with their thoughts.

But when it comes to what you personally should or shouldn’t do, you will need to do your own risk assessment. I spoke to experts to develop a science-backed framework for post-vaccination decision-making. Here are important factors to keep in mind that, when paired with your own appetite for risk, can help you navigate this next stage of the pandemic.