Many of us spend decades looking forward to retirement—the day when we no longer have to work. Yet at the same time, work is often the foundation of a meaningful life. It gives structure to our days, opportunities to contribute, social connection, and a sense that we are needed.

This tension is not just philosophical. Research has consistently shown a significant statistical correlation between men retiring and an increased risk of early death. To be clear, retirement itself is not the cause—but the sudden loss of purpose, routine, and identity that can accompany it matters deeply. When meaningful engagement disappears, health and well-being often follow.

This is why financial planning is about more than numbers, rates of return, or retirement dates; it should be rooted in your values and sense of purpose.

When retirement is planned as a transition—not an exit—it can be one of the most fulfilling phases of life. Financial independence becomes a tool, not a finish line: enabling part-time work, volunteering, creative pursuits, learning, or entrepreneurship on your own terms.

As we continue refining your plan, I encourage you to keep these questions front and center. Aligning your money with your values will help ensure that your retirement is not just financially secure, but also rich in purpose and meaning.

Paul Celentano and the staff of
Objective Wealth Management