Planning for retirement starts with thinking about your retirement goals and how long you have to meet them. Then you need to look at the types of retirement plans that can help you raise the money to fund your future. As you save that money, you must invest it to enable it to grow. The tax rules applying to these plans is key to the solutions we provide. There are ways to minimise the tax while you save for the future—and to continue the process when that day arrives, and you actually do retire.