Topic 7 of 8

Health, Longevity & Quality of Life

We are living longer, but what matters is how we age. Longevity means not just more years of life, but more healthy, self-determined years. For your financial planning, this means you shape a longer, healthier life and provide for it in a structured way.

A long life is no accident. It is the result of conscious decisions. We bring your lifespan and your financial planning together, so that health and money stay in balance.

  • Growing older in good healthStrategy and goals: weight, mobility, stress, sleep. With health experts from our network.
  • Longevity in financial planningAdditional years of life change the retirement phase, long-term care, income and inheritance. We factor them in.
  • Prevention rather than repair70 to 80 per cent of the most common chronic diseases are down to lifestyle. The greatest opportunity is prevention.
  • The BoomerFinance Blue ZoneIf you wish, we build health and longevity into your strategy, structure and planning.

Healthspan determines wealthspan

Studies put the additional life expectancy of wealthy people at 3 to 15 years. Exercise, nutrition, sleep, mental strength and social activity extend the healthy years of your life, known as your healthspan. Scientists estimate that only around 20 per cent of how we age is determined by our genes. The rest is down to how we live.

The Blue Zones: lessons from the long-lived

Together with a team of experts, the American Dan Buettner studied five regions with exceptionally high life expectancy: Okinawa (Japan), Sardinia (Italy), Ikaria (Greece), Nicoya (Costa Rica) and Loma Linda (California). What they have in common can be applied to our own culture:

  • Living in tune with your region and with nature
  • A purpose in life (“ikigai”): I am here for a reason, I am needed
  • Good family and friends: emotional security and a sense of being cared for
  • Healthy sleep and listening to your body
  • The 80 per cent rule: no excess in eating, exercise or work
  • Natural movement in everyday life
  • Moderate, mainly plant-based, regional food, eaten with enjoyment
  • Not excessive wealth, but security

The main factor in longevity is low chronic stress. Find the balance between living today and living later. Do not keep putting off enjoyment: live today and tomorrow.

Why health belongs in financial advice

Money has a great influence on health, and health has a great influence on Financial Wellbeing. Money worries weigh on sleep, mental health and relationships. Illness affects income, spending and how much wealth you need in later life. Health is the new wealth: if you live well, you live longer. If you plan wisely, you live with greater peace of mind.

Frequently asked questions

Are you health advisers?

No. We look at the role health plays in your life planning and calculate the consequences for your finances. For analysis and programmes, we refer you to health experts from our network.

What is a longevity check?

A yearly look at your health goals and their financial consequences, as part of our ongoing support if you would like it.

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