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University of Minnesota Extension

Planning ahead for retirement

This 80-page guide is loaded with easy-to-understand information and activities to help you plan the retirement you want. It will help you:

  • Estimate the income you will need in retirement.
  • Understand financial products related to retirement.
  • Make wise investment choices by outlining advantages and disadvantages of many saving and investment products.
  • Decide if you need a financial planner and how to hire one.
  • Understand how Medicare, health insurance, and life insurance can protect you against risks.

Download the complete publication: Planning ahead for retirement (PDF)


  • Introduction
  • Chapter 1: More than money decisions
  • Chapter 2: Will you be able to afford the life you want?
  • Chapter 3: Developing income sources
  • Chapter 4: Saving and investment options
  • Chapter 5: Should you hire a financial planner?
  • Chapter 6: Protecting against risks with health and life insurance
  • References and resources

Sharon M. Danes, Extension specialist and professor in family social science

Revised 2013 by the author

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