Be careful using rules of thumb for your asset allocation. Dialing down your exposure to stock market volatility as you get older still makes sense, but possibly not to the degree you expect.

Planning for retirement is one of those things that many people put off. Usually these are the same people that put off going to the doctor hoping that everything will be just fine. But this is a bad strategy, especially since planning for retirement is easier than ever!

To the degree you can stand it, you should usually be as aggressive as possible with your 401(k) allocation, and your investments generally. The longer your time horizon to use the money, the more aggressive you should be.

There is still almost no way to avoid taxes in retirement. Early retirement tax planning can certainly help, but be prepared to pay at least some taxes in retirement

Comprehensive financial planning involves a few different items including retirement planning and potentially college planning, estate planning, tax planning, and others.