Investing for retirement is not just about pension plans. You should also consider using all the tax efficient investments such as ISAS, National Savings Certificates, EIS and VCT schemes. You will not know in advance when you will need retirement income, it is quite likely that you will move into retirement slowly and need income from investments to increase, at the same pace as employment remuneration reduces. To achieve this you will need a spread of asset types.
Some clients may see their business as the means of providing retirement income, others will purchase buy to let properties. The secret is to have a well spread portfolio and not to rely too heavily on any one asset class. It is also important to keep the plan under regular view so that it can be amended to cope with changing personal needs, taxation and economic changes.