Skills age and employers prefer the young
The last decade of work is the hardest to keep.
4 solutions built for it
Age discrimination law, Reskilling and mid-career training, Consulting and contracting and Phased retirement.
Where Scarce resources meets Late career. Money, land, materials, and energy are never enough for every want. Scarcity is what turns a need into a market rather than a given: air is a need but not a business. It is also what makes timing central — most financial instruments exist because someone needs something before th…
6 frictions
Will the money last as long as the life
A single equation with two unknowns: spending and lifespan.
5 solutions built for it
Tax-advantaged retirement accounts, Retirement planning services, Annuities, Catch-up retirement contributions and Pension and benefit timing optimisation.
The product that solves lifespan risk is opaque and expensive
Created by annuities: fees and terms the buyer cannot evaluate.
2 solutions built for it
Stop working before public health coverage begins
The years between the last employer plan and the first state plan.
2 solutions built for it
Coverage continuation and individual marketplaces and Retiree health benefits.
Parents need care and money you may not have
The decline phase, experienced from the other side.
4 solutions built for it
Elder law attorneys, Long-term care insurance, Home care and home health aides and Assisted living.
Estate vehicles are complex enough to need permanent professionals
Created by trusts: the estate has staff.