This study developed and tested a model to identify the predictors of retirement planning based on an extension of the theory of planned behavior ([TPB], Ajzen, 1991) that included individual differences in proactivity and time discounting. The results showed that personal attitudes, sense of control, social influence, and stable traits have a significant influence on the extent to which late-career workers are engaged in retirement planning over and above the effect of demographic variables. However, some gender differences in the prediction of retirement planning were identified that have important implications for the design of programs and interventions to encourage planning. (Contains 1 table and 1 figure.)