Welcome to The WealthSpan Letter
— and welcome to the future of retirement.
If you’re here, it’s because you sense what many are now beginning to realise:
**Retirement — as a concept, a structure, and a planning model — is collapsing.**
And something much larger, more challenging, and more promising is taking its place.
The World Has Shifted
We are entering an era where:
Lifespans are stretching toward 100+
AI is reshaping markets, work, risk, and society
Volatility is structural, not cyclical
Healthspan is lagging lifespan
And the decisions we make in our 50s and 60s now echo for 40–50 years
The old 20th-century retirement blueprint — a 30-year glidepath into the sunset — no longer fits the world we actually live in.
Our lives have expanded.
Our risks have expanded.
Our financial planning must expand too.
That’s what this publication is about.
Why This Letter Exists
I created The Wealthspan Letter for people who want clarity, confidence, and a long-range perspective in a world that has become noisier, more uncertain, and more complex.
Each essay explores one dimension of the new 100-year life:
Wealthspan (how long your money must last)
Longevity (biological, economic, and social drivers)
AI-era disruption
Stochastic forecasting and long-horizon risk
Life transitions
Spending curves and the fragility decade
Purpose, legacy, and good decision-making across a longer life
This is not a newsletter about the markets.
And it’s not personal finance tips.
This is a publication about the future of life and money.
Your life.
Your money.
Your future.
Who I Am
I’m Daniel Brammall — creator of the Wealthspan™ framework, author of Swimming With Sharks and Shattering the Crystal Ball Myth, and a long-time pioneer of independent, evidence‑based financial planning.
For more than 30 years I’ve helped high‑net‑worth families navigate complexity, transitions, and long‑horizon planning across rapidly shifting landscapes.
But what’s coming next will make everything we’ve experienced so far look simple.
That’s why I’m writing this.
What You Can Expect
Each week you’ll receive:
• A new essay exploring the forces shaping the 100-year life
• Clear, rational insight — not prediction, hype, or noise
• Tools, frameworks, and models drawn from the Wealthspan System
• Stories and lessons from decades helping people plan for long futures
From time to time, I’ll share:
• Previews of my upcoming book
• Research on longevity, AI, and retirement science
• Behind-the-scenes thinking
• Opportunities to participate in the Advance Reader Group
If you’re someone who wants to think clearly, act wisely, and prepare confidently for the decades ahead, you’re in the right place.
A Final Thought
Your future isn’t short.
Your wealth shouldn’t be either.
I look forward to exploring the next chapter of the 100-year life with you.
— Daniel