Life's a journey and there are financial destinations on the highway to a secure, enjoyable retirement. Accumulating the finances and being prepared to retire and stay retired, is an important destination for many and the big question is always. Are you there yet? Paul Carpenter and his associates work closely with successful people who are committed to achieve their retirement dreams. Often these individuals, couples or families don't know all the issues involved get to retirement safely. Carpenter's proprietary Destinations: Road map to Retirement process answers the question. Are we there yet. It is a proven approach to financial management that will help you achieve your goals. Destinations: Roadmap to Retirement focuses on the 8 Essential Elements of Retirement Planning 1.Investment Management 2.Cash Flow and Debt Management 3.Family Risk Management 4.Retirement Planning 5.Education/College Planning 6. Legacy and Estate planning 7.Business planning 8.Special Situations Planning.