IYUWA UKERCHIA SAMUELISHAYA DAVID LALUOTHMAN IBRAHIM AHMED2026-02-202019https://irepos.unijos.edu.ng/handle/123456789/11267The study investigated the effect of known financial planning for retirement on life of the retirees in Nigeria, with particular emphasis to the ministries and parastatals of the plateau state government. The research adopted inferential statistics to analyse the data collected. Regression model was used to test the hypotheses formulated. The statistical programme for social sciences (SPSS Version 25) was used to capture data and analysis of responses.The findings of the study indicate that Since p value (0.009 < 0.05), we reject the null hypothesis and conclude that Inadequate planning significantly affect Post retirement. And Since p value (0.001 < 0.05), we reject the null hypothesis and conclude that lack of government involvement in the pre-retirement financial planning significantly affect Post retirement. Finally,Since p value (0.001 < 0.05), we also reject the null hypothesis and conclude that government restrictions on employees' involvement in entrepreneurship have significant effect on retirees .It was recommended that i. financial Planning for retirement should financial planning for retirement. commence on the date of engagement into the Nigeria public service .pre-retirement entrepreneur capacity development should be highly encouraged in the public service and government should prioritised area of specialty among employees. ii.Government should set aside special fund for employees who are nearing retirement, to assist them in actualizing their business ideology with interest free loan backed by special monitoring team of government. iii.Government should as well organise a training program for employees in the area of sustainable small-scale enterprises who have about 5 years before retirement. iv.Government restriction on employee's participation on business should be relaxed, especially employees who have 5years before retirement.enArticle