The earlier you start planning for retirement, the more options you have for ensuring your goals are met.  Retirement considerations include:

-          When can you withdraw your super and what are the options with taking super as a lump sum

-          What are your retirement income stream options and when can you begin receiving payments

-          What are the benefits of a transition to retirement strategy

-          How will your superannuation decisions affect your social security entitlements

Apart from this are the decisions to be made surrounding whether to stay in the work-force on a part time basis, living arrangements going forward and the way to structure your investment assets including your family home for maximum return.

By learning as much as you can about all your options before making any decisions you can ensure that you are preparing for retirement that is comfortable and free of financial stress.