One of the biggest financial planning challenges today isn’t a market crash or a recession.
It’s longevity.

Simply put, people are living longer than ever.

Living Longer Changes the Math

Over the last several decades, life expectancy has steadily increased, especially for individuals who are healthier and have higher incomes. For many households, living well into your 80s—and often your 90s—is no longer unusual. It’s increasingly common.

For couples reaching retirement today, there’s a strong likelihood that at least one person will live into their 90s.

That’s great news.

But it changes how we think about money.

Retirement is no longer a short chapter after a long career.
It can last 25, 30, or even 35 years.

That reality raises important questions:

• How long does your money really need to last?
• How do you plan for rising healthcare costs later in life?
• How do you enjoy your money today without worrying about running out tomorrow?

Longevity Is More Than an Investment Problem

At Clarity Wealth, we think about longevity more broadly than just portfolio returns.

Yes, financial capital matters.
But so does what we call your social portfolio.

Your social portfolio includes:

• Relationships
• Sense of purpose
• Physical and mental health
• Community and connection
• How you stay engaged as you age

Research consistently shows that people who stay socially connected, mentally active, and purposeful tend to live longer—and enjoy those years more.

That means planning for longevity isn’t just about saving more or spending less.

It’s also about investing time and energy into the things that make life meaningful:
friendships, family, hobbies, learning, and giving back.

Those investments don’t show up on a balance sheet, but they matter just as much.

Planning for a Long, Fulfilling Life

From a financial standpoint, our goal is to help you enjoy life today—travel, experiences, generosity—while also planning with a long horizon in mind.

That means building strategies that account for:

• Inflation
• Healthcare and long-term care costs
• Market volatility
• Extended retirement timelines

All without forcing you to live cautiously or in fear.

The goal isn’t to preserve every dollar at all costs.

The goal is to spend confidently, knowing your plan supports both the life you want now and the decades ahead.

Longevity Is an Opportunity—Not a Threat

Longevity risk isn’t something to ignore.
But it’s not something to fear either.

With the right plan, it becomes an opportunity:
more years to enjoy,
deeper relationships,
and greater flexibility in how you live your life.

If you’ve been thinking about what a longer life means for your finances—or whether your current plan truly supports both your future and your quality of life—that’s a conversation worth having.