Who doesnt love brunch! How do you like your eggs? Scrambled? In a waffle? Over easy? The egg-beater product? Or are you a complete vegan dining on a delicious alternative? Coffee, tea, champagne or Bloody Mary with that?

Whatever style your brunch, you are also ordering up your nest eggs while you are reading this. The decisions you make this very morning and throughout this day influence how your nest eggs will be served during the last third of your life.

What will you do with your corporate pension plan when you retire? Or what will you do with your 401K when you change jobs? In an effort to be safe, most workers invest with too little risk, insuring that they will run out of money by brunch-time in the golden years. Unless you have been putting away massive amounts of your salary, it is unlikely, according to research, that your saving alone will carry you through the last third of your life.

If you want to be served perfectly flavored portions of nest egg, you need to plan thoughtfully. Consider your tax situation, your lifestyle (your spending limits) and the length of time you need your assets to last---maybe longer than you think. (People with too much income get their Social Security taxed.) (This income has already been taxed once!)

You can easily realize the consequences of depleting your assets too soon. Without a PLAN you will never be able to place your order!

Not planning is crazy. It is just like going out for a spontaneous brunch with great friends, hearing them order from a generous menu presented by attentive wait staff, waiting for the chef to work his magic in the kitchen, and then restlessly watching them eat the delectable results. You order a meager plate because of what you are thinking. (My assets are not what they were, Im like most retirees, unable to write a large check on the spur of the moment, or Ive exceeded my budget this month, or the market took a downturn, or Im already eating into my resources.)

Would you sit still for this picture? It doesnt have to be this way!

You may have accumulated assets through a 401K, proceeds from the sale of your business or a company pension, for example. You can plan to use them wisely insuring that you have a steady source of income most advantageous from a tax standpoint and that your money will last---no matter how long you live.

If you a woman, you can probably count on earning less throughout your life, making planning even more important. You are more likely to become a widow or a divorceeand may have the care of children or aging parents or both at the same time. How can you make a lovely omelet from a sparse cupboard?

If you participated in a company savings or pension plan, statistics also show that many: