How Does One Plan For Retirement? 
You plan for retirement by surrounding yourself by professionals that will give you sound unbiased advice . You also formulate and implement a financial plan that is constantly monitored and updated as needed . You assume that the unimaginable will happen , even if it seems terribly remote . You start saving early in your life , even if it 's only a few dollars at a time . Diversify , take only the amount of risk that you are comfortable with , and let the professionals I previously mentioned meet with you on a regular basis to review and revamp , if needed . This worked for me and it will work for you . 