Everyone think that retirement planning is too far for them. As a result, they fail to plan and save for their golden age. The purpose of this paper is to examine the four factors namely the financial self-efficacy, financial socialization, financial literacy and financial behavioural influence are the most important retirement planning among the working individuals in the private sector. Life cycle theory was use in determine Malaysians retirement planning. These studies are using the quantitative method. The study outcome will be beneficial to the government and non government in Malaysia. Policy maker will enhance and continually make improvement on how to create the awareness effectively regarding the importance of the retirement planning.