Retirement can be both exciting and demanding, bringing with it new challenges, experiences and uncertainties. Regardless of how successful one is in the workplace, there is a danger that this may not filter through the retirement years. Today’s retirees have far better health, a higher level of education, more responsibilities and several options of maintaining an active and productive lifestyle than before. The more fortunate retirees are those who through good planning, and risk taking succeed in making their retirement the best time of their lives.