Peter Merrick is a Certified Financial Planner, who advises on succession planning, tax, estate planning and employee benefits. He is the author of the best selling book "The Essential Individual Pension Plan Handbook". His new book "The T.A.S.K. - The Trusted Advisor's Survival Kit" (Lexisnexis Canada, 2009) will be released early next year. It's a reference guide for public accountants, lawyers, and Human Resources professionals, to help them assist clients who are going through transitions, both financial and personally. Peter Merrick says the best way to secure your retirement in these insecure times is to make your own plan, according to his STEW formula. "S" stands for "Save more". "T" stands for "Take less". "E" stands for "Earn more". "W" is for Wait - wait longer to retire, or to make large purchases.