Don’t Retire Too Early #FIRE

The post Don’t Retire Too Early #FIRE appeared first on Yardley Wealth Management, LLC.

I want to talk to you today about something that may seem counter-intuitive.

I’m a financial advisor and I want people to get into great financial shape. Even though I want people to enjoy retirement, I don’t necessarily think that people should retire fully from work at a young age.

Some data shows that early retirees are at special risk for cognitive decline. Other data shows a loss of social networks. Neither of those sound like golden years.

A study from 2018 showed that men in the month they turned 62 have a 2% mortality bump compared to the previous month. (They didn’t show that same effect for women.)

I could go on.

My point is that the goal of retirement planning is to prepare to be able to retire. If you do that, you can do things you want to do. You can handle crises, you can live a nice life. Just don’t necessarily stop working at a young age. That really might not be a good idea.

My name is Mike Garry, and my company is Yardley Wealth Management. We are a fiduciary, fee-only financial planning, and wealth management firm in Newtown, Pennsylvania. (That’s in Bucks County).

Our law firm is Yardley Estate Planning, LLC and is in the same place. We only do Estate Planning work and I am licensed in Pennsylvania and New Jersey.

If you’d like to talk about this or anything else, please reach out: 267-573-1019, [email protected] or @michaeljgarry

If you’d prefer to watch videos, click on the hyperlinks for the: Yardley Wealth Management and Yardley Estate Planning YouTube channels.

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The post Don’t Retire Too Early #FIRE appeared first on Yardley Wealth Management, LLC.

About the author

Michael J. Garry, CFP®, JD/MBA

Michael Garry is a CERTIFIED FINANCIAL PLANNER™ practitioner and owner of Yardley Wealth Management in Yardley, PA. Michael is a NAPFA-registered Financial Advisor. He is a member of the National Association of Personal Financial Advisors (NAPFA) and the Financial Planning Association (FPA).

Michael recently published his first book: Independent Financial Planning: Your Ultimate Guide to Finding and Choosing the Right Financial Planner

Michael is a frequent expert contributor to financial publications, and has also been quoted in The Wall Street Journal, USA Today, Money Magazine, Kiplinger’s,,, Consumer Reports Money Advisor, Investment News, The Bucks County Courier Times, Financial Advisor, and other periodicals;

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