Retirement Planning: How to Do It Right – CBS MoneyWatch.com.
No age and stage is too late to plan [or correct what was planned] when it comes down to what you do in these years and how do you fund what you do.
Both are so dynamic, that it would make a case for six-monthly and annual re-visits , respectively.
Be ready for surprises!
If you do not come up against a few, be surprised as to what errors you did make while re-visiting!!