What happens to your financial plan when you live to 100?

Most pension systems were built around an ~80-year life expectancy. Much of today’s financial advice still follows a linear life-stage model. And many businesses have not yet reckoned with the fact that both their customers and their workforce are ageing in ways that will reshape everything.

In this episode of Beyond Longevity, I am joined by Nadine Esposito, founder of Wellthspan Advisory and a senior risk management professional, to unpack why longer lifespans are not just a medical story — they are a planning and financial one, with major implications for strategy and society.

Nadine’s path into longevity came not through medicine, but through risk, ESG, and a deep interest in the health–wealth connection. She introduces the concept of wealthspan planning: moving away from rigid life stages towards a model that accounts for career pivots, caregiving gaps, health shocks and the very real risk of outliving your money and any affordable care options.

We cover

1. The health–wealth connection — why “health is wealth” works both ways and how financial stress and poor health reinforce each other over a longer life
2. What businesses need to wake up to — ageing customer bases are changing consumption patterns across housing, travel, mobility and services
3. The workforce challenge — flexibility, lifelong learning, the rise of the “sandwich generation,” and why simply raising retirement age misses the point
4. Risk in longevity startups — data security, AI-driven health apps, sensitive personal data, and income regulations (including EU AI Act transparency obligations around human–AI interaction)
5. Longevity and inequality — why longer lives may widen the gap without smarte intervention and access

Key takeaways

1. Wealthspan planning replaces linear life-stage models with something far more dynamic and realistic
2. The two-way link between health and finances means you cannot plan one without the other
3. Businesses should start with a longevity maturity and gap assessment — and test whether products and services actually work for older customers
4. Investors should ask harder questions about IT security, regulatory readiness and risk management — not only financial fundamentals
5. Health and financial literacy, prevention, and employer/insurer incentives are among the highest-leverage policy priorities

Links

1. LinkedIn (Nadine): https://www.linkedin.com/in/nadine-esposito-b1804415/
2. Wellthspan Advisory (LinkedIn): https://www.linkedin.com/company/wellthspan-advisory
3. Website: