Working for a certain number of years is fulfilling when retirement comes. The joy of being instrumental in the advancement and development of the organization where one hard worked is indescribable, and retirement stage will be well deserved.

However, this time in the life of retirees is more challenging in many areas of their living. Although their children do help them to cope well during this time by providing support such as handling the bills, yet the retirees may still find it difficult to survive independently.

In the case of childless marriages, where there are no offsprings to fall back on, things will just become harder. America for example, have uncountable parents who decided not to have children and this number keeps going up. Numerous women in the U.S have reached their menopausal stage with no kids.

So what can retirees with or without children do to enjoy their retirement age? Planning ahead is the first step, putting in mind situations which will influence these planning strategies.

Importantly, retirees should surround themselves with powerful authorized protection schemes such as health insurance, financial security and total safety that will guard them against unhealthy eventualities. In addition, the four steps listed below will be very useful tips for you.

1. A lawyer should be employed to handle your assets

Get a reliable and trustworthy lawyer who will have the right as an attorney to handle and maintain all your assets, both in cash and property in situations where you can't help yourself. Ensure to hire a professional with human feelings who will empathize with you and work with honesty. Alternatively, you can create a trust fund account which will be reversible and ask your bank manager to act as the custodian.

The duties of your custodian would include helping you to settle some bills, taking care of the paper works involved in insurance demands, looking after your home or putting up it for sale in case you needed to settle some legal issues.

2. Do your Will and keep it safe

Whether you have nuclear family or not, don't underestimate the power of doing your will. Write down expansively how you would love your property and possessions be shared, the beneficiary of each asset, your most preferred custodian for your cherished pets and don't forget to add the way you would love to be buried; where; when; and how.

Try to get a person you can trust wholeheartedly who will be in charge of implementing all your stipulated instructions to have your last wish granted.

3. Get a representative to stand in for your medical needs

It's very vital for you to pick someone you can be rest-assured will not betray you when making this choice. Your representative will be vested with the legitimate responsibility of coordinating all your medical needs when situations call for it. Sometimes, he or she will have to decide on when to take you to the hospital or caregiving home when you become immobilized. Most retirees prefer to pick their spouses or staff members, which is advisable. However, try to have two representatives because one of them may not be able to carry out these responsibilities.

Alternatively, a blood relation like a child, a friend or sibling can be chosen as the second proxy.

4. A Will can be written while you are still alive

A living Will contains all that you want while still alive, especially regarding proper medical attention. Here you will state the type of healthcare services you wish to have especially when you are battling with chronic diseases and on the verge of death. Under these circumstances, you can inform your physician and representative in charge of your health care about your decision not to accept life support as a means of survival.

Every working-class member of the society must take these measures into consideration to guide against future challenges when retirement comes. Planning ahead for old age is a way of living your life in a good state of being. In case you don't have kids who can take care of you when you become aged, then your mind can be at rest when you are sure all safety schemes have been put in place.