Keith Wiltfong of Capstone Planning discusses the importance of a 360 retirement plan that covers all aspects of a person's financial life. He emphasizes the need for comprehensive financial planning that includes taxes, investments, insurance, and estate planning. Wilkwong also highlights the significance of risk management and diversification in retirement portfolios. He stresses the importance of having a plan in place for various life events, such as the death of a spouse or unexpected health issues. The goal is to create a retirement plan that provides peace of mind and allows individuals to enjoy their retirement years.