Planning for retirement can be overwhelming as individuals navigate various factors over which there are varying levels of control. There are factors that are out of their control, like market returns and the future of tax policy, legislative and regulatory reforms, and factors over which they have some control, like longevity and how long they work. The best way to achieve a secure retirement is to develop a comprehensive retirement plan and to focus on the factors that can be controlled: maximizing savings, efficiently utilizing tax-advantaged accounts, understanding and managing spending and being well diversified in their investment strategy.