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

Good habits are important steps on the road to achieving desired goals. Want to get in shape? Establish healthy eating habits and a regular exercise schedule. Looking to play an instrument? Get in the habit of practicing regularly.

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 National Center for Health Statistics, the average life span for women is 81 and 76 for men. This means that retirees who stop working at age 65 will have, on average, 10 to 15 years to do everything they dreamed of during their working years. Maximizing this time requires individuals to plan ahead, earlier in their lives, to develop a strategy that considers how they will be cared for as they age and to ensure they do not outlive their savings.

Adopt Healthy Habits. The three leading causes of death, heart disease, cancer and stroke, are often preventable when individuals make the right lifestyle choices. By eliminating harmful habits, such as smoking, and adopting healthy lifestyle habits, such as eating healthy, getting exercise and managing stress, early in life, individuals can improve their chances of staying healthy into their retirements.

Retire to do Something, Not from Something.  Many individuals cannot wait to escape the workforce. However, when retirement is defined solely by something that is subtracted from one’s life, such as a job or other obligations, he or she is left with a void. Instead, individuals should consider retirement as an opportunity to do something they enjoy, whether it be traveling, learning a new language or even spending more time in the garden. This creates a sense of purpose and the ability for retirees to focus their time on pursuing the things they love rather than running away from things they may despise.

Retire Based on Your Bank Account, Not Your Birthday. Successful retirees have spent years thinking about and making a habit of planning for the type of lifestyle they would want after their careers have ended, and they know how much it will cost. Retirement is not about age. Rather, it is about independence, which money will help to achieve.

Foster Meaningful Relationships. Social interaction is a critical element to achieving happiness. Successful retirees have cultivated a network of friends who share their interest, 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 provides individuals with extra time to give back to the communities where they live and create a legacy after they are gone. Those with accumulated assets might consider giving back to organizations that support their communities, social needs or causes they are passionate about by creating their own foundations or donor advised funds.


That which individuals do every day matters more than the things they 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 and chief compliance officer with Provenance Wealth Advisors, an Independent Registered Investment Advisor affiliated with Berkowitz Pollack Brant Advisors and Accountants, 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.

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