Most financial planning presented today is nothing more than sales gimmicks. Financial advisors often create plans directed to get you to buy a certain product or service. However, your plan needs to be coordinated with all aspects of your financial life. It must include tax planning, cash flow management (including retirement income), investment positioning, and estate preservation. First, we talk about what you want retirement to look like. After that, we highlight obstacles and opportunities in each area. Lastly, we talk about what you need to overcome the obstacles and take advantage of opportunities available to you. The key to financial security is having all financial planning aspects coordinated. We outline what needs to be done and any additional next steps.