Many of your aging clients are looking forward to a fun-filled retirement. But since retirement can now last 20-30+ years, they could get blindsided by increased complexity in the later phases of retirement. This complexity can be caused by declines in physical, cognitive, social, and financial resources.

Dr. Joe Coughlin, director of the MIT AgeLab, calls this stage of retirement the "Navigating Complexity" phase. The client piece below outlines why retirement complexity increases as we age and how to  prepare for it. By sharing and discussing this piece with your clients, they’ll see you as a financial professional who helps them plan for their entire retirement, not just the fun phase.