Retirement income isn’t something you should only think about on the day you’re handed a carriage clock. Business & Management looks at the personal wealth planning themes FDs should consider to ensure a comfortable post-career life.Are you on track for a comfortable and secure retirement? It’s a deceptively simple question, and it’s especially easy to put off answering it. There is no bad time to dust off your pension policies and investment plans to see whether you will be able to enjoy the Riviera lifestyle or be eating cold baked beans in a tent in your later years. When you’re enjoying your evening or weekend, glass of wine in hand, it’s tempting to believe you’re automatically going to have the former rather than the latter because of your finance experience and the funds you’ve put aside to date.