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Preparation for retirement by workers will not happen by instinct alone. The input by employers who provide a Retirement Planning Course for employees comes at a minimal cost and in the case of our Retirement Life Courses where a company employs us to provide what we term an in-house course for an average of 10 to 25 employees, this cost can be as little as €75 per employee – or less than 0.2% of the average industrial wage.