A Saturday afternoon breakout session at the FPA Retreat 2013 in Palm Springs, Calif., titled "Financial Planning in the Age of Uncertainty: Welcome to the 21st Century!" was a rapid-fire delivery of all the change that is upon us.

Presented by Elizabeth Jetton, CFP, the session covered everything from longevity to Social Security, Medicare/health care, policy, regulation, technology and nanotechnology.

"We have to deal with policies and conditions as they are and use our crystal ball for what they're going to be," Jetton began. "For instance, you may not agree with the notion of man-made climate change, but you at least have to consider it, because you don't have a right to your opinion and running with it. You have to consider the possibility you are wrong because the price of not considering it is too great."

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