Core Viewpoint - The article emphasizes the importance of retirement planning and wealth management strategies to ensure a comfortable and secure retirement life [2][9]. Group 1: Core Needs of Retirement Planning - The primary need for retirement planning is to address the increasing costs associated with aging and to ensure sufficient financial resources for a quality life post-retirement [2][9]. - Understanding the various retirement savings tools available is crucial for effective planning [9]. Group 2: Strategies for Wealth Planning - The article discusses different strategies for retirement wealth planning, focusing on maximizing the effectiveness of financial tools [4][6]. - It highlights the importance of comparing the advantages and disadvantages of various financial instruments to build a robust wealth management plan [9]. Group 3: Key Points for Quality Retirement Life - Quality retirement living is linked to strategic financial planning and the right asset allocation [6][9]. - The article features insights from Huang Weilian, an expert in cross-border asset allocation and family wealth planning, providing practical examples of pension preparation strategies [8][9].