Take a minute to envision your retirement. What comes to mind? Hours on the golf course? Travelling with your family? Following a lifelong passion? Now stop and think about where you are today. Chances are you are knee deep in client work and haven't had a chance to think about laying the necessary groundwork in order to actually achieve your retirement dreams. While it can be difficult to break free of everyday burdens to plan ahead, taking the time to do so will make all the difference in the long-run.