Which level of retirement will you attain? If you are on the path to retirement it can often seem like something you may never reach. With careful planning however, it is possible to live your dream retirement.

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The first and most basic level of retirement is: Ability. Whether you have the ability to actually retire or not is a concern for many Americans. Planning, saving, and investing for the future can make a huge difference in what level of retirement you will be able to enjoy. If you are still working toward this level, taking time to make a plan, and understanding the likelihood that you can achieve it can be incredibly valuable.

Level 2 of retirement is efficiency. This is where you feel comfortable that you have the resources needed for retirement, but you want to utilize strategies to maximize those resources. Tax planning is a key strategy for creating efficiency in your retirement plan. Additional strategies like planning your asset location, and creating a proper distribution strategy come into play here as well.

Legacy is the final level of retirement. This is where you are no longer concerned about running out of money, or being able to do the things that you would like to do. At this point money truly becomes a resource, not for subsistence but for purpose. You are able to use your financial resources to create the retirement you have dreamed of. But this level doesn't come without pitfalls, there are many things to watch out for as you approach the legacy level of retirement. Working with a team of professionals at this stage, and having a clear vision for what you want is of the utmost importance.