Retirement planning involves the creation of a program to help a person or couple prepare for post-employment years. This type of planning generally involves the use of a professional investment or financial counselor, but not always. Retirement planning will typically include stating ultimate financial goals to help with the selection of investments that can facilitate earning targets. Investments that may be included in a retirement plan include 401ks, IRAs, mutual funds, stocks, bonds, commodities and more. They will combine with contributions to help an individual realize financial goals.