As you begin to develop your own retirement plan, you’ve probably encountered some variation of the following scenario time and again:

You find an “expert” who promises to teach you the “secrets” of successful retirement planning – the ones that other people do NOT want you to know about. “All you have to do is follow this very simple process,” they say, “and you’ll be able to use the one right way to guarantee that you retire with all the freedom and luxury you’ve always wanted.”


The fact of the matter is that retirement planning is one of the most inherently personal things a person can do, meaning that there IS no “one right way” to make sure that all of your bases are covered. Instead, there is only the “one right way” that works for YOU and YOU ALONE.

Unlocking that insight, of course, requires you to keep a few key things in mind.

The Personal Nature of Retirement Planning

While it’s certainly true that there are certain tips, tricks and best practices you can follow to help make retirement planning easier, ultimately there are so many important decisions that you’ll be making that can ONLY be determined by considering them within your own unique context.

Your risk tolerance will be dictated as much by your retirement date as it will be by your personality. Some people are willing to play the “high risk, high reward” game and others simply don’t have the stomach for it. Neither is “wrong.” They’re just different.

Likewise, everyone has their own unique definition of what “retiring in comfort” even means. If you want to retire while being able to maintain the exact same lifestyle you’ve always enjoyed, you’ll be looking at a wildly different strategy when compared to a situation that will see you downsize and scale things back for the rest of your life.

How can you expect one single strategy to account for all of these variables?

Thankfully, the answer to that question is a simple one:

You can’t.

Retirement planning is personal. It is intimate. It is specific to who you are as a person.

Anybody who ever tells you differently is probably trying to sell you something. Don’t forget that and you’ll go far. If you’d like to find out more information about why there IS no “one size fits all” approach to retirement planning, or if you’d just like to discuss the specifics of your own situation with someone in a bit more detail, please don’t delay – contact Fortified Retirement today.

Licensed Insurance Professional, provides general information about insurance and retirement-related products and services, these products and services may not be specific to a particular state. Information provided on this website, in seminars or through printed or other published materials are not intended as specific legal, accounting or investment advice to an individual’s particular situation. By providing your information to us, you agree that we may contact you regarding the potential sale of annuity and/or insurance products. Information provided by Licensed Insurance Professional does not necessarily represent that of the individual professionals presenting this information. All the information presented is believed to be accurate and is secured from reliable resources, however, no guarantee is made to the completeness or accuracy of the information presented. Any opinions expressed are those of the author and the material presented is for educational and informational purposes only and is not intended as legal, investment or tax-related advice.