How To Plan For Retirement In Your 60s? 
If by planning in your sixties you mean start planning , then you 're working until age 70 , not taking Social Security until age 70 and and required minimum distributions at age 70 1/2 . If you mean you 're ready to retire , do the same for maximum income with Social Security and more money to set aside for retirement by working longer . The # 1 risk to retirement is human longevity . You 'll need the extra money . 