We agree on some basics, you and me. The best way to set a lifetime investment plan is to discuss our goals, create a plan, and then assemble a portfolio of investments. We agree we should do these things in that order, because it is the order of priority.
Let's look at an example. You want to retire in 10 years at age 62 and provide an income of $200,000 per year. You have Social Security that will cover $75,000 of that, and you have investment assets of approximately $1,000,000.