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    Home » Blogs » Retirement planning in Estate Planning is about inter-generational retirement
    Blog

    Retirement planning in Estate Planning is about inter-generational retirement

    Sandeep N SettyBy Sandeep N SettyOctober 27, 20242 Mins Read
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    What if you could transfer your retirement income to your children, grandchildren, and great-grandchildren? 🤔

    Retirement planning some 50 years ago was so different from what we do today… Life Expectancy has shot up, lifestyle during retirement has changed, accessibility to medical treatments has improved and the affordability of dependents has also changed. I want you to rethink EVERYTHING you know about retirement planning…

    Retirement planning used to be about relaxing in your GOLDEN years… BUT when do your GOLDEN years start? 50, 55, 60, 65, 70, 75?…

    The generation gap and life expectancy have NOW become OPTIMUM for being very (and I truly mean “very”) creative with retirement planning.

    💥 Think about it, the average generation gap is 30 years:

    So when Gen 1 is 65, Gen 2 is 35 and Gen 3 is 5. Let’s say Gen 1 retires now at Age 65 and lives a nice retired life till age 95 (a nice life expectancy), Gen 2 would be Age 65, Gen 3 would be Age 35 and Gen 4 would be Age 5.

    1. Why can’t the retirement income from Gen 1 just continue to Gen 2 and then continue to Gen 3 and Gen 4?

    2. Why do Gen 2 and future generations need to plan their retirement?

    The generation gap and mortality have come into SYNC…. AND THIS IS EXACTLY WHY retirement planning needs to be RE-DONE and RE-THOUGHT.

    Think about it: every generation can now be the retirement plan for the next generation…because of this phenomenon…. (generation gap and mortality)

    Using a creative strategy of Insurance and Annuities and Investments you can NOW ensure continued retirement planning for a family… GENERATION AFTER GENERATION…

    ✅ Spend time on your retirement plan with your financial advisor and RETHINK your retirement income strategy.

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    Sandeep N Setty
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    Dr. (HC) Sandeep N. Setty is a Bengaluru-based Family Wealth Architect who helps business families protect continuity across generations. He advises founders, entrepreneurs, and high-net-worth families on asset structuring, intergenerational planning, family governance, succession clarity, and liquidity-focused continuity design—so wealth is not only created, but held together with clarity, control, and purpose.

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