The main goal of the current study is to provide guidance for Ernakulam’s people to control their financial resources. Financial Management is really challenging. It may seem like there is a lot to accomplish for the future, even if a person thinks they are successful in financial things like loan repayment or retirement savi ngs. Having a thorough strategy is necessary to manage funds both now and in future. Sound financial planning is necessary for achieving goals, preparing for emergencies, and protecting oneself. This study focuses on retirement financial planning and impact of Goal Clarity Attitude towards retirement planning in Ernakulam. The current study has found three key components for managing personal financial planning: Attitude, Goal Clarity & Proactive Planning. People from Ernakulam constructed the study’s population. A survey questionnaire for this study was created & given to the respondents. The study’s findings indicated that personal financial planning among Ernakulam peoples was greatly influenced by Attitude, Goal Clarity & Proactive Planning. The results of the current study are useful in encouraging personal financial management among Malayalees in Ernakulam