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Retirement planning means allocation of finances for retirement. This normally requires the setting aside of an investment corpus to obtain a steady income steam at retirement. The goal of retirement planning is to achieve financial independence, so that the need to be gainfully employed is optional rather than a necessity. BMFPA adopts a process of retirement planning which aims to assess readiness-to-retire given a desired retirement age and lifestyle, i.e. whether one has enough money to retire; Identify financial actions to improve readiness-to-retire, assess the financial planning knowledge of the client and to encourage saving practices

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