Most seniors will underestimate the importance of a retirement plan. However, they realise that they missed out on an opportunity to grow their portfolio and live comfortably in their sunset years. If you do not have a retirement plan, do not wait any longer. The article below explains how to create a retirement plan.  Hire A Retirement Planner Although retirement planning could seem like a straightforward task, you will need an expert to help out with the technicalities of the plan and ensure you abide by the plan.