Whether we like it or not, everyone is getting older and will need help at some point. Unless you interrupt the aging process by getting hit by a truck or jumping off a bridge, there's nothing surprising about the inevitability of growing old.

What is surprising is the magnitude of this trend. Most of us in financial services know at least one often-repeated number: 10,000. That's how many people will retire every day for the next 18 years. What we still do not know is the array of products, services and health care needs they will have.

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