1) Plan for client income across a longer life span because like the research mentions, the life expectancy has increased considerably. With the new technologies and new advances in medicine, people are living longer every generation. Financial planners used to calculate retirement with specific factors to what people were expecting to live; but now advisors should really focus on extending with specific strategies the cashflow for these goals.

2) Include families in financial conversations: it was very common in older generations, not to talk about money between family members, not even between partners which is one of the leads to divorce. Having these conversations with your family is as important as other core values or conversations. The way that combining different generations, strategies or goals can optimize the expected returns. Just imagine if you set a goal for a father a son to create a strategy that goes beyond the father lifetime into the son, the time horizon would be way longer which will allow more risky investments which at the same time would give higher returns.