We hear it everyday: “I should have started saving sooner”, “I wish I would have known this when I was young”, “If only I could go back in time.” As people approach retirement they often look back at different points in their lives and wish they would have done more earlier. It’s easy to play the “shoulda’, coulda’, woulda’” game with retirement planning. And yes, it’s best to start early and contribute often, but you won’t be doomed if you are getting a late start. There are different phases to your retirement planning life and you can make successful investment decisions no matter which phase you are in. Whether you are just starting a career, hitting the stride of the middle aged, or the end of your working days is in sight, there is an attainable retirement planning strategy waiting for you.