I've spent 20 years in the financial services industry, and currently trading on my own as my own business.
I've been following Don Fishack's 6 Number System (3 Pillars To Wealth) for my retirement account. And if you want financial independence, that is the key.
The signals are very clear, very easy to follow, and takes only 20 minutes a week, and you can really build your portfolio for a very financially independent retirement.