text:  Well, really, at this stage, if they're thinking about retirement or in retirement, they should be taking the least amount of risk necessary to accomplish whatever their goals happen to be. So, I mean, really, the starting point is deciding what it is you're trying to accomplish. And once you know that, you take the appropriate risk to accomplish that goal and not one penny more should be allocated to risk because now time is not on your side, not for growing money. The least amount of risk necessary to accomplish your goals. How does an income plan factor into preparing for a successful retirement?