Let's start with a simple observation. Most retirement conversations still revolve around the same three themes: accumulation, income and rate of return. Those are familiar, comfortable topics. They're the backbone of how many of us were trained. But when you step back and look at the conversations we aren't having, a pattern emerges. We're not consistently talking about what happens when a client lives longer than expected, or when their independence changes, or when care needs show up in ways they never planned for. And it's not because we don't know these risks exist....