Go to the Fidelity, CNN, Edward Jones, SmartMoney, AARP, and so on, retirement worksheets. Put in financial information that applies to someone between 40 and 60 such as a parent, aunt/uncle, and so on, to the best of your knowledge. You may have to guess at their financial holdings, expectations, and desires. In a category that you do not understand, try to Wikipedia it or Google it. At the very least, play with the unknown category to determine whether or not it has a large influence. If so, set it conservatively. Copy your input sheet and analysis results.