AHC, a Gallagher Company, recently supported the Pensions and Lifetime Savings Association (PLSA) on the design and build of its new Retirement Living Standards website, which aims to cut through the ambiguity that currently surrounds retirement planning, to help UK savers achieve better outcomes. Here, Francis Goss talks about goal setting, why it's the answer to the future we want - as opposed to the future we're able to get - and what role employers have to play. Mark Twain once said: "life would be infinitely happier if we could only be born at the age of 80 and gradually approach 18". It's a given that through maturity we become focused on our long-term futures. Consequently, trying to engage anyone under the age of, say, 50 in putting money aside for their retirement is like trying to convince children to eat their vegetables. It's an age-old pensions conundrum. Something's got to give because a failure to plan can bring devastating consequences. For individuals, and for their employer. Consider this. Two people joined the same company over 40 years ago at the age of 19. One immediately opted out of the employer's Final Salary pension because he thought that pensions were for [...]