Retirement patterns are changing. Most working people are forced to postpone retirement - and retreat from employment slowly. Pension drawings are needed, initialiy, as top-ups to supplement employment income and then increase as retirement completes. In later life, higher income may be needed to cover extra costs of care for one or both partners in a relationship. Pension entitlements, public and private or in combination, usually don't provide sufficient resources. Other resources must supplement the costs of later life. Henceforth, only Governments will provide defined benefits. Individuals must provide for income shortfall on their own! The paper looks at situations in several developed economies. How much is needed? How can saving be encouraged or compelled in a tough world where children's and housing costs are additional "taxes"? How can risks such as longevity be shared? Can steos be taken to orotect aqainst oerils such as incapacity and reduction of resources on divorce? Successful investrnent of savings is all important. Tax relief, recoverable through taxes on retirement incarne, will help secure provision. The paper considers how actuaries can help on these matters cost effectively and highlights their unique -but underutilised - skillset in assisting individuals to achieve adequate provision.