There is no doubt that the exceptionally fast-paced, evolving by the day, aspects of Artificial Intelligence (AI) are beginning to dominate our every move.

This is a subject that is not just beyond my pay grade to offer expert insight, it is almost beyond anyone’s!

Meaning that we seem to have entered a completely new world, where the rising AI capabilities are unpredictable.

Quite literally, even the developers and builders of AI cannot fully – or accurately – predict what is coming.

Yet, we do know that immense change is occurring and accelerating.

If we draw this back to our finances and planning, then the one certainty is this: we must be vigilant.

Some of the hints of what may be unfolding suggest that we might need to start pivoting in our thinking around our finances.

I will give you an example.

It seems possible that AI medical diagnostic involvement, alongside rapid fire development of vaccines, anti-ageing interventions, and tackling serious diseases, may shift lifespan expectations.

There is a growing band of experts who are suggesting this could lead to what is described as Longevity Escape Velocity.

This is the idea that medical breakthroughs will suddenly upend life expectancy numbers, with some of the predictions further suggesting this will get to a point where we get one extra year of life for every year lived.

Then, the prediction model becomes a matter of when? Some say 2030, some say later, maybe 2050.

If any of these relatively short-term potentials turn out to be correct, this changes many aspects of financial planning.

Imagine, for one moment, that we little realise we are on the cusp of the most staggering evolution ever witnessed in biology. It’s happening now, but we can’t quite see it yet, and the one extra year aspect is achieved by 2030.

That doesn’t move the goalposts, it takes us to a new stadium!

Life assurance pricing, annuity pricing, glide paths, cash flow projections and more – all change.

These are vital aspects of a financial planning model, and that model informs decisions.

I am not suggesting this is going to happen, just that there are growing signs it is possible.

This is where advice can be crucial, because advice, when all is said and gone, is a framework towards making decisions.

Hence, we can draw together the vigilance (as that gives us the information we see and know about) with advice, and with decisions.

If the model changes, the decisions will probably need to change.

This weird and wonderful new world demands more activity than ever before in getting together and working it all out.

The service I provide is intended to be active, and if one thing has changed for sure so far in 2025, we need to be more active, in the sense of keeping our ears to the ground and constantly reviewing our finances.