Retirement should be a time of enjoyment and fulfillment– a period to catch up on all that you have missed out on or sacrificed during your working life.

All retirees have different expectations for their retirement. They may include working part-time in a different job, traveling, a new car, a new house, volunteer work or spending time with family and friends.

However, many retirees can find retirement a stressful time as they worry whether they will have enough capital and income to enjoy the retirement lifestyle they have always wanted.

Whatever your expectations may be, fulfilling them will require effective financial planning to achieve a secure and comfortable retirement.