Once you have gotten a thorough understanding of what your revenues and expenses are currently, what do you do next? I recommend that you need to start running through different retirement scenarios to see what will work best for you. One of the best online and free products I have come across is the firecalc calculator.
Run your numbers through a retirement calculator such as firecalc (firecalc calculator ) to see whether or not you are reaching your goal of retirement. There are many other devices and tools you can use. Many of which are based upon Monte Carlo simulation models but I highly recommend using the firecacl calculator along with the use of your own personal advisers or your own excel spreadsheets.