What Do I Need To Plan For Retirement? 
That is an excellent question !!!! We could spend a whole lot of time on this , but I 'll break it down to three things . The first : Decide how you want your retirement to look . Travel , quiet home living , move somewhere , what do you want to do to spend your days ? Second , determine what that future will cost you . How well prepared for that future are you today ? How long do you have to make funding it a reality ? What kind of ground do you have to cover to ensure that it can happen the way that you envision it ? The third : Put together a plan that gets you there , or as close to there , as possible . That plan has to account for your risk tolerance , safe financial living in the meantime , and the ability to create the income that you will need . Spend a little time and put together for yourselves a snapshot of where you are , and where you want to be . Once you have that , find an advisor that you can trust , and get started making your dream a reality . If you want to spend a little more time on the details , please feel free to drop me a line , I 'd be happy to help you . Thank you for asking ! 