1. After reviewing what a S.M.A.R.T.goal is and how it can be effective, consider the benefits of such a thing. Set up a S.M.A.R.T goal for your own retirement. 

2. offer suggestions on how to improve upon their own goal. Consider guiding them to some resources of additional information where they may benefit from some additional perspectives.

3. re-write someone else goal into something you feel might be more effective or beneficial.