how we help

planning is the key

You are not a statistic.

You are unique, your life experiences and choices are different than everyone else, and your life expectancy will also very likely be different than all the averages say it will be.

Science has made great strides in helping to determine lifespan and healthy lifespan.  Wealthspan Advisors is focused on adding science to financial planning and wealth management so you no longer have to use assumptions and best guesses when considering the choices you should make to lead to the best life possible.

Here's a questions for you...

 "Why would you continue to base your financial decisions on an outdated,

assumption-based model when you have now been made aware of a

scientific approach to planning that's much more personalized for you?"

Wealthspan Advisors exists to provide a science based, emotion free environment for financial decision making. After all, how many assumption-filled, emotional financial decisions have you made that worked out well for you?

We're replacing the outdated "life expectancy tables"with a personalized scientific approach that will determine your lifespan based on your life choices, genetic makeup and family history.  If spouses have significant differences in their scientifically determined lifespan and one will outlive the other by many years, better decisions can be made concerning the income needed by a surviving spouse and how to plan for meeting that income need.  Better decisions can also be made concerning when to begin taking Social Security or a pension payout and how to determine which option to choose if a spousal continuation of income is offered.

Making it personal -

Let’s explore a very typical client situation where the use of the MyWealthspan calculator will make a big difference in how you plan for retirement.

Consider an example of a couple where the husband is 65 and the wife is 62.  They are newly retired and looking for help planning for their financial future.  A very common planning technique used by many financial advisors is to run their plan out to age 95 for each spouse to make sure the plan works.  However, it is very unlikely that both spouses will live to age 95, leaving just a 3 year gap for the wife to handle financial decisions on her own when she may be in failing health at the end of her life.

Advisors who use this technique may be able to successfully, logically and mathematically create a plan that will have a high level of success based on the plan needs and risk/return metrics of the product mix.  However, the use of a randomly selected age 95 for each spouse doesn’t make the plan customized in any way for the clients and their actual experience could vary widely from the assumptions used to create the plan.

An attempt at getting closer to a more personalized plan would include the use of a base life table to determine average life expectancies based on age and gender.  Using current methods and base life tables, the life expectancy of the husband is 18.4 years and the that of the wife is 23.3 years.  This means the husband can expect to live to age 83.4 and the wife to age 85.3, leaving the wife to plan for life on her own for about 5 years.  Helping the wife put a plan in place to get her comfortably through 5 years is likely a manageable task and wouldn’t come with a great deal of anxiety for her – that is if they both fall in line with the averages.

Now let’s look at how different the Wealthspan Advisors plan would be starting with a report generated at  Using a series of scientifically determined questions that impact life expectancy, we can get a much better understanding of the experience this couple is more likely to encounter.

The husband has a high school education, is a former smoker and doesn’t get any exercise to speak of.  These things have been scientifically determined to be predictors of a shortened life expectancy.  So, instead of a base table life expectancy of 18.4 years, the husband has a likely life expectancy of just 14.2 years and can expect to live to age 79.2.  On the other hand, the wife has a family history of longevity, has a college degree and exercises regularly.  These things have proven to be predictors of a lengthened life expectancy.  So, instead of the base life expectancy of 23.3 years, the wife can expect to live 27.8 years to just shy of age 90.


This is significant. 


What we have just uncovered is that the wife will live about 14 years longer than her husband.  This is a huge change from the 3-5 years planners were telling her she needed to prepare for without her husband using the previously mentioned approaches to planning.

This also creates a big change in the decisions that should be made now concerning how to arrange financial accounts, when to begin social security, how to create an income stream for a surviving spouse and provide reassurances that the plan being developed today takes these things into effect so the surviving spouse can continue to enjoy the standard of living they have become accustomed to.

Before Wealthspan Advisors entered the financial services industry

there was no real scientific approach to account for or measure the chances

of a 20 or 30 year life expectancy difference between spouses occurring -

or how to plan for that very real possibility.

Wealthspan has changed that!

Preparing Jams

The Planning We Can Help With

We specialize in holistic planning to help you reach your goals, no matter what they are or what type of financial products are needed to meet your needs.  Our desire is to serve you first - knowing that if we can help you reach your goals and achieve your best health and wealth, we'll have done our job well.

Focus of Planning

The wealthspan planning process

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ready to start planning?

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