This guidebook on retirement planning helps potential retirees by raising important issues in such areas as changing roles and relationships, health and fitness, meaningful use of time, working options, financial and estate planning, and housing and lifestyle. The first section, on attitude and role adjustments, discusses support systems, changing roles for partners, single living, responsibility for an aging parent or child, bonds with the young, and self-identity. The second section discusses healthy lifestyles, including exercising, eating well, dealing with stress, and being in charge of one's own health. The third section discusses meaningful use of time, including hobbies, adult continuing education, travel, contemplation, and volunteering. The fourth section focuses on working options, discussing ways to evaluate what the individual has to offer, a self-directed job search, and self-employment. The fifth section describes changing housing needs relative to stages of the active, slowdown, and dependent stages of retirement. The sixth and lengthiest section discusses financial security. Sources of retirement income, expenses in retirement, coping with inflation, bridging the gap between income and expenses, investment questions to consider, and income taxes and investments are described. The guidebook concludes with a discussion of legal affairs and estate planning with advice on where to go for help, estate planning devices, estate taxes, and estate planning checkups. A list of additional resources is included. (ABL)