It's one thing to name the various items you might want to include in your retirement portfolio, but let’s focus for a moment, on a broader view of possible strategies.

When in the midst of your "working years," focused on paying bills and making ends meet, it would be easy to forget about long term needs like retirement income. And even when you have the foresight to form a basic retirement plan, there are many factors that are easy to overlook and that could become potential financial pitfalls in the long run.