Sabelo Makeba $(48)$ and Jasmine Makeba $(44)$ are increasingly concerned about their retirement planning. A recent article in the Business Times, highlighting the alarming number of South Africans unable to retire financially independently, has particularly resonated with them. Sabelo, an accountant by profession, has always prided himself on his financial acumen, yet he has come to the sobering realisation that his knowledge regarding retirement planning is remarkably limited$.$Given their concerns and current circumstances, Sabelo and Jasmine are eager to understand how to effectively approach their retirement by identifying the key factors influencing planning and sufficient savings.Question What are the key factors influencing successful retirement planning for individuals like themselves in South Africa?Question $1$What is the role of financial literacy and financial planners in realising a financially independent retirement for their clients? Question $3$ also make a lengthy good conclusion