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January 5th, 2016 | Financial Advisor

In managing spending for older Americans, don’t forget about the value of human capital

Gregg S. Fisher weighs in on the issue of human capital and the life-cycle theory of savings and consumption in a recent Financial Advisor article. “Spending Over The Life Cycle” discusses how the financial services industry has been criticized for focusing on the management of client assets at the expense of aiding individuals with spending and liability issues. The article suggests that advisors offer a more holistic approach to managing money, especially considering that more individuals in their 60s and 70s are still employed and able to tap into their human capital as well as their financial capital.

To learn more about the importance of factoring human capital into your portfolio, see /viewpoints/human-capital-investment-portfolio/.

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