You may have many financial goals spanning different time horizons. Most people looking at this site have as their primary goal “Retire comfortably”.

These are some other goals:

• Children’s education;
• Inheritance (preservation);
• Travel / recreation;
• Buy a home or cottage;
• Pay off mortgage early;
• Estate planning;
• Ability to give to a charity;
• Have own business; and
• Other goals

We are going to concentrate here on the goal “Retire Comfortably”.

What does that mean? For many, it means having as much cash coming in on a monthly basis after retirement as before. Some people like the idea of having a sum of money or investments that could be converted to money, a short-term reserve, “just in case”. Most people just want to be “on top of the pyramid”. See below:

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