The first step is to get clarity; be very clear and honest about what you want. A good way to do that is to ask yourself ‘if this was a blank canvas, how would I want to live my life?’ Then plan that out step by step.
The next thing to do is to get financially organised. Here you will look at your existing wealth, your pensions, and your savings, etc. and then create cashflow modelling to decipher what your retirement will look like. After this, you should have a tangible side by side of what you want and what you have.
Once you have the side by side, you need to assess how you will get there. This could require several things. For instance, additional savings, investment concepts, or protection policies.
This is a visualisation of your future self that you can either do yourself or with a good financial adviser who can act as your coach.