“… ironically, older retirees typically only experience a few major life transitions in the span of decades – retirement itself, a major change in health, and the death of a spouse – while it’s younger clients who actually experience a steady stream of major life transitions that may necessitate a financial advisor, from getting a new job, to going back to school, starting a business, getting married (or getting divorced!), having children, and more.”How The Financial Planning Process Differs For Young Clients: Not Simpler, But Different Complexities, Michael Kitces “The traditional search fund advice is that, below a certain scale, you’re buying a job.