Description: With longevity, we have more aging clients. The average advisor has at least 7 clients with some degree of diminished capacity. Understanding what you need to look for and what to do when you see diminished capacity is critical to keep clients' assets safe and protect yourself. Likewise with longevity, more clients will need long term care. No one is "average". We examine the increased risk of needing this care from identifiable factors. Few advisors know the actual cost of these services, which are not covered by Medicare. Long term care insurance is not for most people and clients all need to get a deeper understanding through competent advice about how much their savings will need to cover.