It all starts with your plan.
Your plan should encompasses your values, goals, desires and lifestyle. It is a reflection of what is important to you and what you want to accomplish.
Every plan is different, but will include things like: when you want to retire, how much you spend now and plan to spend in retirement, how to maximize your social security benefits, which pension option fits the best for you and similar decisions that may not be initially obvious.
Ultimately your plan lays out a clear picture of where you are now, where you want to be and a clear path detailing how you are going to get there.