Planners May Need to Get Nosier

February 2003
Journal of Financial Planning;Feb2003, Vol. 16 Issue 2, p25
Academic Journal
The article focuses on the importance for a financial planner to gauge client life expectancy in order to make decisions ranging from estate planning to whether to take Social Security benefits early or buy fixed annuities. A recent article in the AARP Bulletin noted that researchers are finding that a smaller percentage of older U.S. citizens are becoming chronically- disabled and that their personal health habits have a hit to do with it. Following years of assumptions that the aging population would turn the nation into a gigantic nursing home, studies are showing a reverse in the trend. Higher education levels leading to fewer blue collar jobs, improved medical technology and drugs, improved maternal nutrition. But a major factor is personal health habits, particularly a decline in smoking and drinking.


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