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UPDATED 6 Habits to Adopt Now to Help Ensure a Successful Retirement Later by Lee F. Hediger

If you want to get in shape, you should establish healthy eating habits and a regular exercise schedule. Looking to play an instrument? Take lessons and start a routing of regular practice. The road to success is paved with positive behaviors and lifestyle choices. Retirement is no different. Following are six habits that soon-to-be retirees should consider to help make their golden years as fruitful and rewarding as possible.

Practice Urgency

According to the latest statistics from the Center for Disease Control, the average life span of women in the U.S. is 79.1 years of age and 73.2 years for men. Maximizing the use of this time requires early planning and implementation of appropriate strategies to help individuals avoid the risk of outliving their savings.

Adopt Healthy Habits

Heart disease and cancer continue to be the leading causes of death in the U.S., both of which can be prevented by making the right lifestyle choices. For example, you can improve your chances of a long, healthy and enjoyable retirement when you eliminate harmful habits, such as smoking, and adopt healthy lifestyle habits, such as a regular exercise routine, early in life.

Retire to do Something, Not from Something

For many individuals, retirement is an escape from the daily work grind. However, when defining retirement solely by something that is eliminated from your life, you may be left with a significant void. Instead, think of retirement as an opportunity to do something you enjoy, whether it be traveling, learning a new language or even spending more time in the garden. This creates a sense of purpose and enables you to focus your time on pursuing the things you love rather than running away from things you may despise.

Retire Based on Your Bank Account, Not Your Birthday

Successful retirees have spent years thinking about and planning for the type of lifestyle they want after their careers have ended, and they know how much it will cost. Remember that retirement is not about age; rather it is about independence and the money you need to achieve that aim.

Foster Meaningful Relationships

Social interaction is a critical element to achieving happiness. Successful retirees have cultivated a network of friends who share their interests, family members who they can rely on, and professional advisors who can help guide them through life’s changes.

Give Back and Build a Legacy

Retirement can provide you with the time and opportunity to give back to the community where you live and create a legacy long after you are gone. With a significant accumulation of assets, you may even create your own foundation of donor advised fund to support the organizations, causes and social needs or causes for which you are most passionate.

When looking back on your life, it is the things you do every day that will make a lasting impact rather than the things you do once in a while. Making the right choices early in life and practicing positive habits along the way can help to ensure a successful retirement later in life. The advisors with Provenance Wealth Advisors employ a holistic approach to income, estate and investment planning to help individuals and families create retirement and legacy plans that meet desired needs and goals.

About the Author: Lee F. Hediger is a co-founding director with Provenance Wealth Advisors, an Independent Registered Investment Advisor affiliated with Berkowitz Pollack Brant Advisors + CPAs, and a registered representative with Raymond James Financial Services. For more information, call (954) 712-8888 or email

Provenance Wealth Advisors, 515 E. Las Olas Blvd., Ft. Lauderdale, FL 33301 (954) 712-8888.

Lee F. Hediger is a registered representative of and offers securities through Raymond James Financial Services, Inc., Member FINRA/SIPC.

Raymond James is not affiliated with and does not endorse the opinions or services of Berkowitz Pollack Brant Advisors and Accountants. PWA is not a registered broker/dealer and is independent of Raymond James Financial Services. Investment Advisory Services offered through Raymond James Financial Services Advisors, Inc., and Provenance Wealth Advisors.

This material is being provided for information purposes only and is not a complete description, nor is it a recommendation. Any opinions are those of the advisors of PWA and not necessarily those of Raymond James. The information has been obtained from sources considered to be reliable, but we do not guarantee that the foregoing material is accurate or complete. There is no guarantee that these statements, opinions or forecasts provided herein will prove to be correct. Investments mentioned may not be suitable for all investors. Prior to making an investment decision, please consult with your financial advisor about your individual situation.

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Updated on October 27, 2022