Retirement financial planning refers to a collection of systems, methos, and processes which, in their aggregate, support a family unit's (client's) desire to achieve a state of financial independence, such that the need to be gainfully employed is optional. Retirement planning can be considered a limited or simplified form of financial planning addressing only this one purpose, rather than the attainment of multiple concurrent goals (e.g. college funding for children). Two often desired outcomes of retirement planning efforts are: (1) to assess a client's current state, here specifically to mean a probabilistic assessment of readiness-to-retire given a desired retirement age and lifestyle, and (2) to identify client decisions or actions to improve readiness-to-retire.