As forecast in the early 1980s, America is aging. The new century counted almost 77 million Americans over the age of 50, with more than half between 50 and 64 — with a surprising 4.2 million over the age of 85.1 As a result, professionals throughout the wealth management industry2 are seeing an increasing number of older, prospective clients with diminished capacity — and watching the capacity of their existing clients diminish. In both instances, the ethical
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