Providers and their sales partners can earn from their clients' retirement planning through good holistic advice, by putting themselves in their clients' needs and offering products in the right order that allow clients to achieve a fair net return, including state support. This leads the authors to an important point: retirement planning is about securing one's future and should not be confused with speculation. Losses here not only lead to a hangover the next morning but can also be the beginning of old-age poverty. Retirement savings is a savings process aimed at maximizing the final value of the savings assets. For this, citizens need high transparency in the retirement planning jungle of Riester, Rürup, and company pension products, as well as other investments, which the reader of this book will be guided through.