Retirement Planning Obviously, a financial plan and retirement plan work hand in hand. A financial plan outlines how you want to live during the working years, and a retirement plan describes how you want to live during retirement.When do you want to retire? Where do you want to live? What kind of lifestyle do you dream of enjoying? How can you be sure it will happen? These are the classic questions that need to be answered in developing a sound retirement plan.It sounds simple, but here are some things you might not know. For example, you will not reduce spending during the first two years of retirement, you will travel more in the first ten years than in the second ten, and you will become more concerned about finances as time progresses—wondering if you "have enough."SWM’s expertise in this area helps develop a plan that will adapt to the realities of retirement and provides a framework designed to make it all work for you.