Research out of Massey University shows that $11,000pa per couple is needed over and above the government’s super payments just to have a ‘basic’ lifestyle in retirement. So, what can you do to ensure you’re on track to do all the things you want to after you’ve stopped working? Private Wealth Adviser Gareth Stythe explains on AM Early how having a plan, making a budget, understanding your risk profile, and talking with an adviser can all help prepare you for your golden years.