Planning for retirement is FAR FAR from easy. There are many investing options for retirement, with just as many results that have varying consequences. It is complicated. I find it best to look at my investments as a business. My office (corner of bedroom) is made up of whiteboards, stickies, charts and cork boards. I have goals, plans and diagrams written on the boards as well as current status of accounts. I have charts stuck to the cork boards. I evaluate my current funds and allocations on a regular basis. I have enough paper, whiteboards, markers and charts to make UPS drool!!!
Also, I would suggest people use the internet and get involved in forums for the individual investor.
But be sure to start somewhere. My situation is unique as I have a small business. I am able to take advantage of "profit sharing", further complicating the investing style to minimize tax obligation now and in the future.
max out all your retirement options and you will have a wonderful retirement!