“…Significantly, the act of retirement planning is a comprehensive process that is constituted by the articulation of retirement aspirations, financial literacy, the institution of retirement plans, diversification, and monitoring of the same. First, the retirement aspirations may entail living arrangements (housing) (Dovie, 2017(Dovie, 2019c; financial security (Dovie, 2017(Dovie, , 2019cSynman et al, 2017); leisure/employment, social networks, health dimensions (Dovie, 2017(Dovie, , 2019c and therefore the goals of the retirement planning process. Second, with the articulation of these aspirations, the individual then needs to acquire some level of financial knowledge and/or literacy before, simultaneously or afterward in relation to how and where to undertake retirement-oriented investments, what to invest in including resource management.…”