What Can I Do To Plan For Retirement? 
Sit down with an advisor and get a game plan . Every person 's situation is different so you need an advisor that is going to take the time to look at the entire picture . I would recommend someone that has knowledge of how to file when it comes to Social Security , as this can cost you hundreds of thousands of dollars if done incorrectly . Advisors who offer this as a service will be few and far between , but they are out there . A good advisor will help with understanding your risk tolerance and place you in the correct investments to ensure the money you have lasts . This could be made up of stocks , bonds , mutual funds , annuities and life insurance . Yes , life insurance . Take the time to interview a few advisors in your area and make sure the appointment is about you and not the advisor . 