Why should I have a report run for me?
Many decisions about retirement can be made more accurately by considering science-based estimates of lifespan and healthspan. When to take Social Security, how much risk to take, which financial products to use, where to take income from and in what amount, as well as others, are all decisions that should be made with a good understanding of your unique lifespan.
What will I learn as a result of completing the analysis?
You’ll learn three important things about yourself. The first is your scientifically determined lifespan. The second will be your healthspan. This will determine how many of the years of your lifespan you will spend in good health versus those years where you will need some sort of assistance with activities of daily living (ADL). The final thing you’ll learn is your probability of living longer than the average person your age. The higher your probability of long life, the more important it is to make decisions that protect against this longevity risk.
Why is planning for retirement without MyWealthspan inaccurate?
Financial planning without an understanding of your unique lifespan is a guess at best. Many advisors use the base life tables published by a governmental agency, but that is just based on averages and doesn’t account for any of the variables that can have a dramatic impact on your personal lifespan. Other advisors just run a financial plan out to a randomly selected age of something like 90 years old. This is, of course, also just a guess without applying science to the analysis.
What is the science that supports the report results?

Lifespan has been measured reliably for more than two hundred years by a broad range of scientists and public health experts ranging from actuaries to demographers to medical underwriters at insurance companies. At its most basic level, lifespan can be measured by using nothing more than date of birth and gender, but the more questions you answer about yourself, the more customized the estimate of lifespan becomes. At some point it is no longer useful to ask more questions because new information does not appreciably improve the estimate.

Healthspan has been measured across the globe by the World Health Organization, the United Nations, and others as part of an effort to track trends in the health status of populations since the 1970s. This metric has been validated by thousands of scientific publications during the last half century, so the science behind healthspan is well documented. It's important to remember that your personal measure of healthspan should be interpreted as the expected number of healthy years of life commonly observed by people across the U.S. that share your personal attributes. It is not a guarantee, but there are lifestyle choices you can make that will enhance your healthspan. As a recent example of how this publicly available metric can be used, take a look at recently published estimates of both lifespan and healthspan of all of the candidates that were running for president of the United States as of September, 2019 (https://www.afar.org/news/view/longevity-and-health-of-u.s.-presidential-candidates-afar-releases-new-whit).

It seems like just asking questions might not be a complete solution. Is there something else that could be done to get the full picture?
The tools of aging science are constantly evolving and improving. One of the more interesting recent developments is the identification of "biomarkers" for the rate of aging. Biomarkers you may be familiar with are those that appear on your medical report following a blood draw before visiting with your primary care physician. Two of the more powerful genetic biomarkers that have been documented recently in the scientific literature are already assessed through a routine screening of saliva by 23andMe. If you choose to evaluate your DNA for markers of exceptional longevity, you'll be adding to the knowledge base used by you and your advisor to maximize the chances of achieving positive wealthspan. Clients can choose to allow advisors to tailor their recommendations based on this DNA information without informing the clients about the specific genes they carry, or clients are welcome to use this information for their own purposes.