Build a complete retirement plan with savings projections, income gap analysis, and account strategy.
Create a comprehensive retirement plan for: - Current age: [X] - Target retirement age: [X] - Current retirement savings: [$X] - Annual contribution: [$X] - Employer match: [X%] - Expected Social Security / pension: [$X/month] - Desired retirement income: [$X/month] - Health: [Good / Fair / considerations] - Dependents: [Yes / No] Provide: 1. Retirement readiness assessment 2. Projected savings at retirement (with 7% return assumption) 3. Income gap analysis 4. Account type strategy (401k, IRA, Roth, HSA) 5. Investment allocation evolution by decade 6. Social Security optimization strategy 7. Healthcare planning (Medicare + supplemental) 8. Required Minimum Distribution planning 9. Withdrawal sequence strategy 10. Estate planning basics 11. 10-year, 5-year, 1-year countdown checklists 12. Inflation impact on purchasing power