Personal Retirement Issues and strategies Ageing populations. Lower pension benefits. Longer working years. Economic uncertainty. Environmental threats. The list of issues facing tomorrow’s retirees can seem overwhelming. How can individuals prepare, in light of such much uncertainty? Furthermore, the average working person almost anywhere in the world cannot state the amount of his or her future retirement income.  In fact, there are two key ingredients in retirement planning, money and lifestyle, and they are deeply intertwined. The amount of income you will need during retirement depends on the lifestyle you want to live. And, except for the lucky few, lifestyle will depend on in large part on income.  Those who take a positive approach to retirement planning start with the lifestyle side of the equation. Click here to learn more