AARP’s recent list of retirement planning mistakes will have many advisors shaking their heads in agreement. See how many of these points you’ve already conveyed to your clients.

1. Don’t take Social Security too early. By waiting until 70, retirees can increase benefits substantially.

2. Don't say "Take this job and shove it." Even if a person quits the full-time job, he should consider continuing some kind of work.

3. Don't underestimate your lifespan. Half of Americans do not plan for a long enough retirement and do not save enough.

4. Factor in health care costs. The savings needed to cover most health care expenses in retirement is $116,000 for men and $131,000 for women.

5. Don't ignore major expenses. This includes helping a child pay for college or buying a second home.

6. Consider long-term care. Medicare doesn't pay for long-term care.

7. Don't fall for scams. Older people are frequently targeted by con artists.

8. Simplify your finances. If you have multiple retirement accounts, consolidate them, otherwise it is tough to determine your asset allocation.

9. Keep track of pensions. If you think a former employer may be holding a pension or 401(k) for you, contact the HR department.

10. Don't miss your Medicare deadline. You generally have a seven-month window, starting three months prior to turning 65, to sign up.