Sometimes it seems as if we work our entire lives through for our retirement. But, what happens upon retirement? I have often imagined when I was young that I was going to retire, and somehow, magically I would be transported to Jamaica, sitting under a palm tree, drinking coconut rum and smoking a pipe. Boy, was I wrong!

You need to do a great deal of planning before you retire and live comfortably. You will need to figure out so much complicated paperwork, and find a competent retirement plan sponsor. Or, more commonly known as 401 k providers.

I remember being in my 20s and hearing the term “401 K” looming over me, like some mysterious dark cloud in my future. It was not until I hit 40 that I