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Planning for a Longer Life
Have you weighed how living longer might affect your financial needs?
The real possibility of living to an advanced age, and the financial impact that would have, has become a key consideration in financial decisionmaking. Managing wealth for a longer lifespan requires planning in the areas of retirement, wealth transfer, philanthropy, and risk management.
Retirement Planning - An increase in expected lifespan can have a substantial impact on the amount of money required to achieve your retirement goals. Other considerations include when to start taking Social Security, how to allocate retirement accounts, and timing expectations on inheritances.
Transferring Wealth - Living to an advanced age may lead to complicated family and financial dynamics, which need to be weighed when thinking about wealth transfer goals.
Philanthropy - The possibility of a living to an advanced age can affect the timing and nature of a planned gift.
Risk Management - As lifespans increase, so does the risk of needing long-term medical care. There are opportunities to repurpose existing insurance policies to address changing financial risks.
The potential for living to an advanced age has increased substantially and should be considered when planning for the future.
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The PNC Financial Services Group, Inc. (“PNC”) uses the marketing name PNC Center for Financial InsightSM to provide wealth planning education to individual clients through its subsidiary, PNC Bank, National Association (“PNC Bank”), which is a Member FDIC. Securities products, brokerage services, and managed account advisory services are offered by PNC Investments LLC, a registered broker-dealer and a registered investment adviser and member of FINRA and SIPC. Insurance products may be provided through PNC Insurance Services, LLC, a licensed insurance agency affiliate of PNC, or through licensed insurance agencies that are not affiliated with PNC; in either case a licensed insurance affiliate may receive compensation if you choose to purchase insurance through these programs. A decision to purchase insurance will not affect the cost or availability of other products or services from PNC or its affiliates. PNC does not provide legal, tax, or accounting advice unless, with respect to tax advice, PNC Bank has entered into a written tax services agreement. PNC does not provide services in any jurisdiction in which it is not authorized to conduct business. PNC Bank is not registered as a municipal advisor under the Dodd-Frank Wall Street Reform and Consumer Protection Act (“Act”). Investment management and related products and services provided to a “municipal entity” or “obligated person” regarding “proceeds of municipal securities” (as such terms are defined in the Act) will be provided by PNC Capital Advisors, LLC, a wholly-owned subsidiary of PNC Bank and SEC registered investment adviser.
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