I stumbled upon your post and I just wanted to give you some quick tips that I'm sure you can use for planning out your retirement. I actually have a blog entry on this that you may want to check out.
(its over at http://www.fifteenyearplan.com/easy-bud ... -retirees/
Now, let me go ahead and give you little tips snippets.
1. Learn how much you will need to retire comfortably and set that as your goal.
2. Build a budget that focuses on your retirement.
3. Consider the option of working for a bit longer.
4. Have a good insurance policy.
5. Do not gamble on bigger risks. (You should not gamble. You are getting older and you may not be able to bounce back like you would’ve in your 20’s.)
6. Finish off paying your debts ASAP.
7. Consider moving to a smaller residence now. (Which you've already done, as you mentioned)
8. Delay cashing in your Social Security check as it will only grow bigger.
9. Prioritize you and your spouse's retirement above all others. (After all, your children will have a whole lot of time to save for themselves. You, however, do not.)
I really hope this will be helpful stuff for you.
Fifteenyearplan.com - My personal finance blog dedicated to helping people take control of their finances.