The best way to plan for something big like retirement is in a step by step or year by year method. By doing this, you are able to gradually move up the staircase until you have reached the point where you are able to happily and comfortably retire. Once this has been accomplished, then you are in a better place to enjoy the retirement that you have always dreamed of. This is exactly why a yearly retirement plan is exactly the kind of thing you need.
By doing this, you can enjoy the great benefits that come along with having properly saved and planned for this event.