This document discusses coordination of benefits (COB) and retirement planning. It identifies the key life events that trigger retirement benefits as disability, old age, and death. It also lists the eight main sources of retirement income as national insurance and national housing trust benefits, superannuation funds, spouse or partner's income, personal savings and investments, inheritance, reverse mortgages, support from children, and employment. The document emphasizes the importance of understanding all sources of retirement income, managing them properly through COB, and claiming all benefits owed in order to achieve a financially secure retirement lifestyle.