etirement means different things to different people. For some people, retirement means having the financial flexibility to do as they please without worrying about their finances. For others, it means sitting back and doing all the things that they've always wanted to do but never had the time to do. However you envision your retirement, the best way to ensure that you reach your goals is to have a retirement plan.
The process of retirement planning is relatively straightforward. Ideally, you want to make sure that you have enough income and assets to live the kind of lifestyle that you want. What makes retirement planning more difficult is determining what that lifestyle will look like and then dealing with the many variables that go into the process and the pace with which they change.