Retirement, especially in the civil service is mandatory at a prescribed age no matter one's level of productivity or mental alertness. The rising numbers of retired persons in many countries and the associated consequences have generated growing interest in the retirement planning process. Generally, the retirees who are the target of retirement plans are assessed as requiring the highest degree of support and assistance in the society than when they were working.They face social and economic discrimination. Poverty severity index is highest in the retiree age bracket. Indeed, related literature tends to focus principally on health researches, welfare as well as the burden of retirees on the society. The above disconnect in the well-being of retirees can be traced to the retirement planning process. We have therefore carefully studied the Nigerian Civil Service retirement process and made suggestions which can empower the retiree, enhance his well-being and affect the national economy on a positive note .