It’s not going to be your parents’ retirement – rewarded at 60 with a gold watch, a guaranteed pension, and health insurance for life. For many peoples, retiring in this new century is a mystery. Earlier generations of workers could rely on employer-provided pensions, but now many workers will need to rely on their own work-related and personal savings plus Social Security benefits. These savings have to last longer because peoples are living longer, often into their eighties and nineties.

If you are one of those people who want to plan – and are about 10 to 15 years from the day you retire – this booklet is for you. Today’s (and tomorrow’s) retirees may well have a new kind of retirement. With a longer and healthier life span, bikes, boats, planes, and RVs may be part of your life, because you are more likely than previous generations to be an active older American.

Retirement can be a time to explore new possibilities or to slow down and fully enjoy the life you spent your working years building—or it can be a bit of both. Regardless of your path, you want to ensure that this phase is as financially secure and satisfying as it can be—a process that ideally begins with your first job and continues even after retirement begins.

Here, I can take you expert guidance on all the elements that contribute to a good retirement: saving and investing; planning; maintaining your health; identifying activities and work to suit you; and, of course, being a savvy consumer.