Wellthspan Advisory

Today, something important happened. At Risk-in conference a leading risk conference, alongside discussions on #geopolitics, #AI, #cyber risk, and operational resilience, we also discussed: #Longevityrisk and De-Risking Longevity. Not as a pension issue. Not as an “aging population problem.” But as a strategic business, workforce, and resilience challenge. Because the reality is: Longer lives are changing everything. 👉Workforces are aging. 👉Customer demographics are shifting. 👉Healthcare pressures are rising. 👉Caregiving is increasing. 👉Careers are becoming more non-linear. 👉And organizations are being forced to rethink resilience itself. That is why I believe we urgently need a narrative shift: From simply talking about lifespan… to talking about healthspan, workforce resilience, prevention, adaptability, and long-term system sustainability. I was very happy to bring the perspective of “De-Risking Longevity” into this broader risk conversation within the re/insurance industry. A big thank you to Binci Heeb for doing a fantastic job moderating the discussion and guiding such an important conversation in a remarkably vivid and enthusiastic manner. And thank you as well to Caroline de La Cochetière - Gauden for sharing her impressive perspective and deep experience from the HR and recruitment side of the re/insurance industry. Finally, thank you to Stephane Martin Virginie MORLET Antoine Lacombe and the entire Risk-in conference team for the excellent organization and for creating space for this topic on a global stage. This is exactly the direction the conversation needs to move toward. Longevity is no longer a niche health topic. It is becoming a strategic resilience topic for every industry. Was great to connect with new people and reconnect with old friends. Philippe Séjalon Marina Peikova Abby Bloom Anne-Marie Elias Wellthspan Advisory

CANNES. FILM. FASHION. LONGEVITY. A combination that initially sounds unexpected. But reflecting back a few days later, the The Longevity Code Gala Dinner during the Cannes Film Festival captured something much bigger than glamour. It showed how longevity is moving beyond clinics and laboratories — and entering culture, lifestyle, business, creativity, and human aspiration itself. What made the evening stand out was not only the setting at Hotel Martinez. It was the diversity of perspectives brought thoughtfully and with a lot of passion together by Irina Biss, who created a space where medicine, prevention, female health, performance, wealth, beauty, planetary health, innovation, and self-expression could genuinely intersect. Even the connection of expressing beauty and wellbeing via fashion was considered. And perhaps that is exactly what the longevity field needs more of. Not isolated conversations. But interdisciplinary ones. Some reflections from the evening that stayed with me: Johannes Weiss reminded us that despite all innovation, the fundamentals still matter: movement, sleep, recovery, nutrition, stress management, and prevention-first thinking. Laura Comfort brought attention to female biohacking and “joyspan” — the idea that longevity without joy, emotional wellbeing, and human connection misses the point entirely. Anna Erat (MD, PhD, IDP INSEAD) highlighted the importance of personalized and preventive medicine, especially around female health, education, and shifting healthcare from reactive to proactive. Enzo di Taranto Capozzi expanded the discussion toward planetary medicine and the broader “One Health” perspective — recognizing that human health cannot be separated from environmental and societal systems. The keynote talks added another fascinating layer: from longevity-focused homes Longevity 960 and environments to skincare innovation inspired by space research and human resilience. Baranova Elena Gary Dolgushin, MD Shalini Vadhera dr. Jacques Durand What fascinated me most about the evening was the contrast itself. Discussing aging, prevention, vitality, and human potential in one of the world’s most image-driven environments somehow made the conversation even more powerful. Maybe because it reflected a larger societal shift: Longevity is no longer niche. It is becoming cultural. Thank you again to Irina Biss and all panelists and speakers for such a thoughtful and forward-looking evening. Congratulations to the nights award winners Katherine Kelly Lang Eva Lanska Wellthspan Advisory #longevity #wealthspan #prevention

Many longevity conversations end at four things. Move. Eat well. Sleep. Manage stress. They're not wrong — these are foundational. I keep coming back to a quieter realisation: the Big Four are the part of #healthspan we can see. The rest of it is harder to optimise because most of it is not, strictly speaking, about us. Purpose. Relationships. Caregiving. Financial security. Time autonomy. Access to care. The environment we live in. The systems around us. These shape how long, and how well, we live just as much as a morning run. A more comprehensive version of #healthspan looks less like a personal optimisation project and more like a set of concentric layers — individual behaviour set inside relationships, set inside conditions, set inside systems. Each layer multiplies, or undermines, the next. And here's what I keep noticing from the risk side of the table: many of these layers are financial layers. Or have a strong financial connection. Financial stress reaches into sleep and cortisol. Care access is partly a balance-sheet question. Caregiving capacity depends on time, and time depends on money. #Wealthspan and #healthspan aren't two adjacent topics. They're one planning problem. Curious what other layers feel underweighted to you. 👇 #Longevity #RiskManagement #Wellthspan Wellthspan Advisory

We keep talking about the ageing workforce as if it’s only a hiring problem. Hire more people above 50. Solved. It’s not. It’s structural. What actually happens when the workforce ages? 👉 Institutional memory leaves unless it’s deliberately transferred. 👉 Most health and benefits programmes were built for younger employees. 👉 Learning systems often move too fast, in the wrong format, for experienced people. 👉 And blocked senior progression can stall talent below. Then there’s recruitment (not all- to make this clear!). Career changers and mature workers are often filtered through increasingly standardised, AI-shaped CVs. That makes transferable experience harder to see. In Europe, older-worker employment has risen, and the OECD warns that ageing populations will slow growth unless labour markets adapt. In Australia, mature workers still report age discrimination and barriers in recruitment and selection. So the underlying question is not whether you can hire over-50s. It’s whether your organisation is designed to keep experience visible, useful, and moving. What’s the part your organisation is least prepared for? #AgingWorkforce #LongevityRisk #FutureOfWork #WellthspanAdvisory Wellthspan Advisory #deriskinglongevity

We are living longer. But our systems are not. Looking forward to speaking in Tivat at the Adria Future Summit 2026 on the Evergreen Economy panel — alongside experts across health, policy, and innovation 🐨 Nicola Palmarini Brankica Janković Max Kholin Ivan Zeljkovic Ernest Vlacic, PhD, prof.. Because one thing is clear: We are trying to finance 100-year lives- with models built for 70-year lives. Longevity changes everything: → Careers become non-linear → Health becomes a financial variable → Care becomes a real risk → Retirement becomes uncertain The biggest blind spot? We plan for the cost of care — but ignore access to care. And the biggest opportunity? Prevention. Not as a lifestyle trend — but as a financial strategy. The shift is simple, but powerful: From wealth management ➡️ to wealthspan planning Very much looking forward and do let me know if you are around!

Most people fail this test on de-risking longevity. Let’s see if you do. Second Quiz! New set of questions. Most people think they are prepared for a longer life. They are not. 👉 Not financially. 👉 Not physically. 👉 Not structurally. Because longevity is not just about living longer. It is about managing risk across your entire life. 💡 Health risk. 💡 Career risk. 💡 Care risk. 💡 Financial risk. And most of these are invisible- until they hit. This is what Wellthspan Advisory calls de-risking longevity. Let’s test your longevity literacy: → How many questions do you get right? Be honest. Score yourself from 1–5 in the comments.

We build financial plans around longevity risk, inflation, and sequence-of-return risk. Is this effective enough? And yet we tend to systematically ignore one of the biggest real-life threats to retirement wealth: declining health. Here's what the data shows: → Mean healthcare spending roughly doubles between age 65 and age 90 → WHO data confirms that healthy life expectancy has not kept pace with life expectancy — most extra years are lived with disability or chronic disease → Long-term care is one of the largest and least predictable late-life expenses This means that one of the most powerful ways to make your money last longer is not just better investing. It is investing earlier in the ability to stay healthy, independent, and functional. In other words: reducing sickspan may be one of the best retirement strategies we have. Prevention is not a wellness conversation. It is a capital-preservation strategy. The concept I work with is Wealthspan Planning — integrating health capital, functional independence, and financial resilience into a single planning framework. Because your healthspan directly determines the speed and intensity at which your retirement assets get consumed. Swipe through the carousel for the full argument and framework. One question for you: Does your financial plan account for the cost of sickspan?

Beyond lifespan: Designing longer lives Longevity is no longer the measure of a life well-lived. To age sustainably, we need to shift the focus from lifespan to healthspan and wealthspan, ensuring people stay healthy, independent, and financially in control for the decades ahead. In this article, Nadine Esposito from Wellthspan Advisory and our colleagues David Alexander Jäggi and Marigna Roth explore how individuals, families, and financial institutions can close the gaps in health, work, wealth, and care that naturally arise as humans live longer lives. Are we still designing for lifespans of the past, or ready to plan for 100-year lives? Discover the thinking that will shape sustainable ageing for generations to come. Read the full article: https://lnkd.in/eCjB_9tf #longevity #implementconsultinggroup