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3. Evaluate where you are currently financially. Basically, see where you are currently by calculating your net worth and then projecting what you see yourself saving and spending in the years to come.

A great way to calculate your net worth in with MyFinancialSoftware.com's Personal Financial Statement. This software program will allow you to list all your assets and liabilities, and then it calculates your net worth automatically for you.

In order to project what your future savings and spending will be, you will want to look at what you are doing now. How much are you making? What are you investing? And where is all that money going? These questions can be answered easily with MyFinancialSoftware.com's Budgeter. This software keeps track of all this information and allows you to set a budget that aligns with your financial goals.

4. Run a retirement simulation. Once you know where you are currently, you will want to see what your current assets and income will produce for you over the next years and into retirement. A great tool to help with this is MyFinancialSoftware.com's Retirement Calculator.

The Retirement Calculator calculates the amount you will need to have saved by the time you retire and compares it to the amount you can expect to have based on your personal savings plan. While other calculators just multiply your savings by an average rate of retire, this advanced software actually simulates the real investment market each year until you retire.

5. Make retirement planning corrections when necessary. If you find through the calculations that you are not currently saving enough to support your retirement goals, then some corrections may be necessary. You can use the Budgeter to help you trim down your expenses. Or you may want to think about creating multiple streams of income for yourself through businesses or other means. Or you may choose to move your investments to areas that could provide higher returns.

6. Come back to the retirement topic yearly. Now that you've done all this work to get your retirement planned out, make sure you revisit this area at least once a year. This gives you the opportunity to hold yourself accountable and stay focused on your goals.