i believe there arent any. different players have different retiring age. so far, most of the players ive seen, retire about the age, at least 33. Cristiano in my game retired at 35.
certain players like friedel, gerrard, giggs, scholes, retire a little later than other.
you have to keep track on their transfer tho. If lampard moves to Madrid and retire there, he'll regen in madrid, not chelsea.