The path to saving for retirement can be likened to scaling a mountain. It takes strategy, time, and patience to reach the peak, to build and accumulate

the funds you need to achieve the retirement lifestyle you want. After you've submitted your accumulation goals, it's important to be prepared for the subsequent

considerations that come with the income  phase - such as the assets from which you'll withdraw retirement income.

After all, research indicates that coming back down the mountain can be riskier than climbing up.