Stephen O'Hara | Source | Senior Vice President at Wealth Enhancement Group

If I retire early because my health changes, I may no longer be able to get life insurance or long-term care insurance at that point in life.

Setting up appropriate risk management is one of the earliest priorities of financial planning.

While saving for retirement, successful retirees accepted that success is about putting away as much as they can. They tended to not be the people who took the best trips, and who had a normal to modest lifestyle, compared to their finances.