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Key Points

Retirement planning should include determining time horizons, estimating expenses, calculating required after-tax returns, assessing risk tolerance , and doing estate planning.
Start planning for retirement as soon as you can to take advantage of the power of compounding.
Younger investors can take more risk with their investments, while investors closer to retirement should be more conservative.
Retirement plans evolve through the years, which means portfolios should be rebalanced and estate plans updated as needed.

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created an idea from a article:

INVESTOPEDIA

5 Key Retirement Planning Steps That Everyone Should Take

investopedia.com

What Is retirement planning

Retirement planning is a multistep process that evolves over time . To have a comfortable, secure—and fun—retirement, you need to build the financial cushion that will fund it all. The fun part ...