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Part 1: Longevity — The Risk of Living Longer Than Expected For much of history, the primary concern was not living long enough. Today , many retirees face the opposite challenge: living longer than their financial resources were originally designed to support. This is commonly referred to as  longevity risk . While longer life expectancy is a positive development, it can also introduce additional planning considerations. How Longevity Interacts with Other Risks Longevity ri

Every year on March 31st, World Backup Day serves as a simple but powerful reminder: protect your digital life. Photos, documents, passwords—everything that would be painful to lose. Most of us understand this instinctively. We’ve either experienced data loss ourselves or know someone who has. And once it happens, the lesson sticks. But there’s a more important question that often goes unasked: What’s your backup plan for your financial life? Because while losing family photo

The first three months of 2026 delivered a sudden and sobering wake-up call to global financial markets. High optimism for artificial intelligence and imminent interest rate cuts quickly collided with reality. Geopolitical tensions spiked energy prices, the AI boom faced physical infrastructure limits, and persistent inflation led the Federal Reserve to maintain a more cautious stance on interest rates. Consequently, the tech investments that dominated the last two years fell