For Singles or Couples usually in their twenties.

   For single persons or couples usually in their thirties and forties.

   For persons usually in the fifties and sixties of life.

   For persons usually in their seventies and above.

   The terms you set for your retirement and the type of retirment whether it be a full retirment or a partial as many desire today could be a critical factor in living longer and enjoying it more. The good news,  "A quality retirement plan does not necessitate a sensation of work but the management of it." The decision to defer the necessary planning for your future security today may be the neglectfully developed architecture of your own demise.