The article states that currently, retirement financial management in our country is still in its early stages and needs further enrichment of product supply. Developing retirement financial management should not only provide investors with a variety of investment channels and product choices but also guide them in establishing a scientific investment philosophy. Financial management companies should actively take on social responsibility, make greater efforts to protect the legitimate rights and interests of financial consumers, and focus on investors of different ages, backgrounds, retirement times, and financial conditions, providing targeted guidance to raise awareness of retirement planning as well as concepts of long-term investment and reasonable returns, ensuring that investment amount, duration, risk preference, and liquidity preference are coordinated and consistent, allowing everyone’s retirement funds to retain and increase their value.