Retirement now can span decades, often with health care needs, longevity risks, and family roles that weren’t factored into older planning models. It’s more than saving — it’s about living well.

Ask about long-term care risks, your retirement vision, health care planning, multigenerational goals, Social Security/Medicare changes, and how your money supports your life — not just your portfolio.

Longevity risk is the chance of outliving your money or facing expensive medical/care needs later in life. Planning for it protects your independence and financial security.

Healthcare is one of the largest expenses in retirement. Medicare doesn’t cover everything, and premiums, deductibles, and uncovered services can add up quickly without proper planning.

Care decisions, inheritance conversations, and caregiving roles often involve adult children or spouses. Including them early reduces stress and confusion later.

As you age, three major transitions happen: your wealth, your assets/stuff, and the responsibility for decisions and care shift—often to others. Planning these intentionally avoids conflict.

It’s preparing for care you might need as you age—whether at home, in a facility, or through assistance—and figuring out how to pay for it without depleting your resources.

Bring your life goals — not just your numbers — to meetings. Ask your advisor how your plan supports your health, independence, relationships, and legacy.

It gives you control, clarity, and peace of mind. Families that plan ahead make better decisions and avoid rushed, emotionally charged choices.

AI can personalize insights, model scenarios, and provide faster answers—but it’s most powerful when paired with human judgment about your values, priorities, and life choices