Set up your own small business. It's true. With this free financial planning software, you can easily set up your own small business during retirement.

Have you always dreamt of starting your own business, but find that with your financial commitments it just isn't possible? It is estimated to take at about five years before a new business begins to make money, and you realize that you could not pay the mortgage and the bills and live on a shoestring while the business got off the ground.

By the time you reach retirement, however, the mortgage will be paid off and you get a lump sum that you can put towards the business? If this is what you want, with a little careful planning you can make it happen. However, it is not enough to assume that this is how it will be - you need to check your affairs and ensure that you are on track for making your dreams a reality.

Move to a foreign country. It does not have to be forever - three months or longer. Have you ever wanted to experience life in another country, live in another city, Paris or Rome, or example, but have never had the free time to get away? Retirement is the perfect time for this.

It doesn't need to cost a lot. There are lots of cheap flights these days. You could rent out your own home for awhile and use the income from that to pay for rent in the country of your choice.

All you need to do is ensure that you are going to be able to retire, that you have a plan in place, which means that you are not working until you are 110. With free financial planning software, all of that is possible.

Take up a hobby. Retirement is a great time to take up a hobby. In fact, it is important to have hobbies when you retire because you may find that you are missing the companionship that existed in your place of work. Is there something that you have always wanted to do but didn't have the time, like learn to ride a horse or learn to climb mountains?

Maybe you want something a little less energetic like playing cards, or gardening. Whatever you decide to do, you need to make a plan so that you are in a position to enjoy your retirement. With the help of a little free financial planning software, you make you hobby dreams a reality.

Spend time with your grandchildren. Did you spend too much time away from your own children, working long hours to pay the mortgage and provide a good home and a good education for them,

However, now you feel that with the grandchildren you have been given a second chance? Or perhaps you want to relieve the pressure from your son or daughter and you want to help out in whatever way you can. To make this possibility a reality, you need to do some financial planning. The first step to making this dream a reality is to download our free financial planning software.

Do nothing. Perhaps you are working so hard at the minute and leading such a busy life that you dream of the days when you will be able to do absolutely nothing. Maybe you want to lie around reading books all day, watching TV, or chatting with friends.

Maybe you want the main focus of your day to be your trip to the news agent, followed by a couple of hours in the coffee shop with your mates. If this is what you dream of in retirement, then you need to take a little time out of your busy schedule to download our free financial planning software and make sure you will be well enough provided for in your retirement.

Click on the red button to connect with a financial advisor and get the free retirement calculator.  The free retirement calculator was recommended by Ray Martin, the top financial analyst for CBS News 'The Early Show.' Version 2.0 determines the maximum amount of money you can safely withdraw from your retirement savings account while ensuring that your money will last a lifetime.