Re: [GRG] Canadian retirement planner, Michael Nuschke on perception of aging in Canada

Considering the number and the scale of recent biomedical advances, there is a good chance that everyone who can live another decade or two will be able to live to 120. How productive will they be is another question? Scientists should start making serious and credible claims making people believe that it is not only possible, but inevitable. Then you will see the major influx of research funding and resources into longevity research and into programs like SENS.

On Thu, May 29, 2014 at 8:24 PM, Paul Wakfer wrote:

An interesting inadvertent “plug” for my project!
Now all that I need are more scientific literature
researchers/writers who will be paid in both salary and investment
to help bring these currently available practical regimens of
information and actions to a readiness state for clients who want to
live to 120+ still with excellent health and function. The project
will constantly update all its “currently available practical
regimens of information and actions” as new scientifically validated
ones arise and, thus, eventually merge with the positive results of
all the hi-tech futuristic research that is taking place.
–Paul Wakfer

On 05/29/2014 10:17 AM, Natalie Jones

One interesting article in CARP:

Coming Age of Unprecedented healthy Life Extension and Why
You Should Be Cheering It On!  By Alex Zhavoronkov,
PhD.  and Michael Nuschke, CFP, RFP, CIM, FCSI

you given serious thought to what it would be like to live
to age 120 plus? Recent polls in the US and Canada revealed
that a large majority of people were decidedly not in favour
of using biomedical interventions to be able to live past
120. No surprise you say? After all, why would anyone want
to extend the part of our lives that we would rather avoid?
Why prolong an old age that brings loss of independence,
painful debilitating illnesses, mental decline – not to
mention huge medical bills! Over eighty percent of our
lifetime medical expenses occur in the last few years of

wait! What if you could be in better physical and mental
health in 20 years, than you are now? Would that change your
view towards what is called by futurists and aging
researchers “radical life extension”?  

yourself in your late 80’s happily playing tennis, in your
90’s hiking around Machu Picchu, getting a second masters
degree in literature and then in your 100’s writing a
best-selling novel (something you never thought of doing
until you were 97!). What if this could all be done while
helping the planet develop into a more sustainable, healthy
place to live?

too futuristically phantasmagoric? Maybe not! Consider that
retirement planning is about the future – your future. And
given the acceleration of change in our world, consider that
your future will be dramatically different than your past.

the most important feature about your future is that radical
healthy life extension is coming. Just how soon it arrives
is up to us, our openness to it, our actions supporting
it (…and yes, we will be able to afford it.  More on this
later). But it will require a change in how we view our
lives and how we view our retirement years. First let’s look
at just how such a thing as radical healthy life extension
is going to get here.

Advances in Biomedicine Will Make It Into Your
Neighbourhood Clinic and Help You Add Decades to Your

From a
scientific and technological perspective we are today living
in the most riveting time in history. Previously, major
breakthroughs were remarkable in a given year. Now, we can
see multiple dramatic advances announced weekly. The
advances in  biotechnology, nanotechnology and information
technology are each not only accelerating, but in addition
they are “cross-pollinating” or what innovation researchers
Eric Brynjolfsson and Andrew McAfee call “combinatorial
innovation”. This is where one innovation enables another
innovation which enables another innovation and so on.

in science and technology have already greatly impacted our
lives. However, when it comes to improved living standards
and the exchange of healthcare and other information, our
world has never looked as much of a single, connected hub as
it does today.

result has been that the average resident of a major
metropolis from New York and Los Angeles to Shanghai today
enjoys better healthcare, more advanced technology, and
more plentiful and nutritious food all year round than the
rulers of the British Empire just one century ago.

But the
real world-shaking revolution from technology’s advance has
yet to arrive. It will emerge via biomedicine, a broad area
of science related to advanced medical innovations. In fact,
this revolution is already happening. A wide range of
effective preventative and re-generative drugs are already
in laboratories. But not unlike the computer industry in the
70’s, these discoveries have not yet manifested themselves
at the consumer level. As the American-Canadian science
fiction writer William Gibson said, “The future is here, it
is just not widely distributed.” Indeed, from discovery to
clinic, major biomedical discoveries can take well over two
decades to reach us due to the extremely long and expensive
drug development process.

development is just one form of how advances in
biotechnology will lead to longer, healthier lives. The real
low-hanging fruit is in the rapid advances we are seeing in
aging research. There, truly remarkable breakthroughs will
extend lives in the near future through innovations in
regenerative medicine, bioengineered organs made from
patients’ own cells, cell therapies that repair the damage
and replenish the supply of brand new building blocks
for your body, and drugs that accelerate regeneration. These
interventions are already a reality in studies on mice and
even in humans.

fact, there are stem cell products already in clinical use
that help us repair bone, cartilage, and fight diseases.
Just three years ago, which now already seems like forever,
professor Paolo Macchiarini managed to transplant the
artificial trachea made from the patient’s own cells back
into the terminally injured patient saving her life. Since
then this procedure has been improved and repeated many
times. Besides organic organs, artificial organs and
implants are also rapidly advancing. There are people alive
today only thanks to completely artificial heart implants.
There is already active competition by multiple companies
developing these innovations. Once these advances reach the
clinic, we will see increases in human longevity that seemed
previously unimaginable.

Out of
about one trillion medical research dollars spent over the
past 20 years, at least 60 billion of current research is
expected to yield some kind of life extension benefit. These
“longevity dividends” will extend the life of the majority
of the people in the developed countries including the
population that is due to retire within the next twenty
years. In today’s accelerating pace of medical
breakthroughs, by just extending life spans a few years we
buy time to access even more powerful regenerative
therapies. We are talking about Boomers Zooming for decades
longer – and likely much longer than they currently think!
Are you ready?

Why Cheer For Radical Life

Depending on one’s outlook in life, life-extending
biomedical progress may be viewed as a blessing or a curse. On
the other hand, there are huge global financial benefits of
extending productive life spans. There are two
gigantic economic benefits to radical healthy life

staying healthy and productive longer increases our “human
capital” or our ability to earn income, and gives essential
breathing room to a looming pension crisis.

2) by
staying healthy longer, we avoid or at least put off the
extremely expensive medical costs associated with the “last
mile of life”.

current medical paradigm is that treatments get costlier and
more frequent with age. Currently two-thirds of what
governments in the developed countries spend on
social security for retirees is actually spent on
healthcare. Reducing these costs will free up a
major portion of the country’s budget. In the US, the
world’s largest economy, healthcare costs represent almost
one fifth of the $15.7 trillion GDP. Savings would be enough
to double the GDP of Africa and eliminate hunger.

On a
personal level, living longer and healthier (body and mind)
will open the door to having a longer period of personal
productivity and life adventure. More and more, retirees are
finding it a more fulfilling lifestyle to continue to earn
an income in “retirement”. By continuing to earn an income,
we reduce the need to rely on pensions and we stay
meaningfully engaged in life.

staying healthy means we can enjoy our extra years and
avoid, or at least defer, the extreme end-of-life expenses.
 As a society, we need to proactively extend the retirement
age and prepare those who are now approaching retirement as
to the inevitability and desirability of a longer life span.
If we do not, we will face a most dire global economic
decline. The medical and social support costs of an
unprepared aging population will overwhelm the economy’s
ability to support our accustomed way of life.

healthy, productive life spans seems to be in everyone’s
best interest. Nevertheless, when asked, a large percentage
of us are not in favour of radical life extension. There are
many reasons we offer for our reticence. One big concern is
how we will afford it.

can’t afford to live to age 100+!”

OK by now you have likely
thought, “How will I be able to afford to live to 100 plus
even if I’m in good shape?” But that question is
not considering how your future will change.

Peer into the near future where new medical advances will
help us live active, healthy lives – and maybe eventually
give us the body and mind of a 25 year old. Yes, we will
need extra funds for taking advantage of these
breakthrough-remedies. Meanwhile, our access to government
and even private pensions may get reduced or deferred due to
so many people living longer. So how will you be able to
retire? Perhaps a more accurate question is, “How can I
afford my extended life if fewer leading-edge healthcare
costs are covered, pensions get reduced and/or deferred and
automation and robots are taking more and more jobs away?!”

The key
solution has been alluded to already – continue to earn an
income. Not what many of us want to hear, but consider that
this future of ours promises to be a truly wondrous place!
Our real challenge is to find a way to generate an income by
doing what we love to do. By adjusting our mindset, and
adjusting our financial priorities and planning, this is

The same forces behind the
acceleration in technological and medical advances are
enabling new ways to advance our skills, and new
ways to earn an income. A multitude of online courses – many
offered by world-class universities – provide one avenue to
explore some new income avenues. Meanwhile, online
consulting sites provide ways to get paid for your wisdom,
your experience. The possibilities mushroom as technology
opens the world to us.

new life paradigm will require a new focus on changing the
retirement culture. The old School/Work/Retire triad needs
to change into a continuing progression
of Education/Training/Livelihood/Exploration. We will see
the creation of centres for lifelong learning and lifelong
career planning. Seeing your life coach will replace seeing
your dentist.

deferring of full retirement produces a newfound wealth of
productive capacity for the economy –the retirement culture
of “entitled leisure” will be turned on its head. To prosper
in this coming world, we just need to keep our minds open.
We need to see the benefits, both personal and global, to
supporting research into anti-aging and regenerative
therapies. The present urgency to put even more effort on
aging research stems from the horrendous economic burden
that the aging population in the developed countries will
place on people all over the globe. It is time to face this
new reality. Those who are retiring today and who are due to
retire in the next decades are likely going to live
extraordinarily long lives due to the advances in

We are
all invited to embark on a grand new exploration into a
never-before-seen-world of radical healthy life extension
enabled by technology. But for it to manifest fully is a
choice, our choice.

the Authors:

Alex Zhavoronkov, PhD is the director and a trustee of the
Biogerontology Research Foundation, a UK-based think tank
supporting aging research worldwide and is the founder of
the International Aging Research Portfolio, a non-profit
curated knowledge management system for aging research. He
heads the laboratory of regenerative medicine and the chief
scientist at the bioinformatics laboratory at the Clinical
Research Center for Pediatric Hematology, Oncology and
Immunology. He is the CEO of In Silico Medicine in the US
and is the and the VP of the First Oncology Research and
Advisory Center, where his research interests include cancer
bioinformatics, in silico geroprotector discovery, machine
learning in aging research and personalized science. Dr.
Zhavoronkov is the author of “The Ageless Generation: How
Advances in Biomedicine Will Transform the Global
Economy”(Palgrave Macmillan, NY, 2013). Dr. Zhavoronkov has
two undergraduate degrees in commerce and computer science
from Queen’s University in Canada, masters in biotechnology
from the Johns Hopkins University in the US and a PhD degree
in physics and mathematics from the Moscow State University
in Russia. He is the adjunct professor at the Moscow
Institute of Physics and Technology.


Michael Nuschke, CFP, RFP, CIM, FCSI is a retirement
planning specialist turned retirement futurist. Through his
writing and speaking, his key aim is to communicate the
game-changing implications of healthy life extension and
technological disruption to what we now call “retirement
planning”. He is currently a Halifax-based Senior Financial
Planning Advisor with a leading Canadian financial planning
firm, but also spends several months per year in Mexico
advising Canadian snowbirds and expats. Michael writes a
blog on the future of retirement called
“”. He is also the author of a
Special Report called “Retirement Singularity; The End of
Retirement As We Know It” available through his blog.
Michael has a B.A. from McGill University and holds the CFP,
RFP, CIM, and FCSI professional designations

– See
more at:

About Johnny Adams

My full-time commitment is to slow and ultimately reverse biological aging and age related decline for more years of healthy living. I’ve been active in this area since the 1970s, steadily building skills and accomplishments. I have a good basic understanding of the science of aging, and have many skills that complement those of scientists so they can focus on science to advance our shared mission. Broad experience Top skills: administration, management, information technology (data and programming), communications, writing, marketing, market research and analysis, public speaking, forging ethical win-win outcomes among stakeholders (i.e. high level "selling"). Knowledge in grant writing, fundraising, finance. Like most skilled professionals, I’m best described as a guy who defines an end point, then figures out how to get there. I enjoy the conception, design, execution and successful completion of a grand plan. Executive Director Gerontology Research Group (GRG). Manages Email discussion forum, web site, meetings and oversees supercentenarian (oldest humans, 110+ years) research. CEO / Executive Director Aging Intervention Foundation (dba for Carl I. Bourhenne Medical Research Foundation), an IRS approved 501(c)(3) nonprofit. Early contributor to Supercentenarian Research Foundation. Co-Founder Geroscience Healthspan Forum. Active contributor to numerous initiatives to increase healthy years of life. Co-authored book on conventional, practical methods available today to slow the processes of aging – nutrition, exercise, behavior modification and motivation, stress reduction, proper supplementation, damage caused by improper programs, risk reduction and others. Fundamental understanding of, and experience in the genomics of longevity (internship analyzing and curating longevity gene papers). Biological and technical includes information technology, software development and computer programming, bioinformatics and protein informatics, online education, training programs, regulatory, clinical trials software, medical devices (CAT scanners and related), hospital electrical equipment testing program. Interpersonal skills – good communication, honest, well liked, works well in teams or alone. Real world experience collaborating in interdisciplinary teams in fast paced organizations. Uses technology to advance our shared mission. Education: MBA 1985 University of Southern California -- Deans List, Albert Quon Community Service Award (for volunteering with the American Longevity Association and helping an elderly lady every other week), George S. May Scholarship, CA State Fellowship. BA psychology, psychobiology emphasis 1983 California State University Fullerton Physiological courses as well as core courses (developmental, abnormal etc). UCLA Psychobiology 1978, one brief but fast moving and fulfilling quarter. Main interest was the electrochemical basis of consciousness. Also seminars at the NeuroPsychiatric Institute. Other: Ongoing conferences, meetings and continuing education. Aging, computer software and information technology. Some molecular biology, biotech, bio and protein informatics, computer aided drug design, clinical medical devices, electronics, HIPAA, fundraising through the Assoc. of Fundraising Professionals. Previous careers include: Marketing Increasing skill set and successes in virtually all phases, with valuable experience in locating people and companies with the greatest need and interest in a product or service, and sitting across the table with decision makers and working out agreements favorable to all. Information Technology: Management, data analysis and programming in commercial and clinical trials systems, and bioinformatics and protein informatics. As IT Director at Newport Beach, CA based technology organization Success Family of Continuing Education Companies, provided online software solutions for insurance and financial professionals in small to Fortune 500 size companies. We were successful with lean team organization (the slower moving competition was unable to create similar software systems). Medical devices: At Omnimedical in Paramount CA developed and managed quality assurance dept. and training depts. for engineers, physicians and technicians. Designed hospital equipment testing program for hospital services division. In my early 20’s I was a musician, and studied psychology and music. Interned with the intention of becoming a music therapist. These experiences helped develop valuable skills used today to advance our shared mission of creating aging solutions.
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